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© 2013 Fannie Mae. Trademarks of Fannie Mae. 10.17.2013 1

Fannie Mae National Housing Survey – Q4 2012 Data Summary

In Partnership with Penn Schoen Berland

Date–October 17, 2013


Table of Contents

Fannie Mae National Housing Survey – Q4 2012 Data Summary ............................................................................................................................................................................................................................................... 1 Table of Contents ....................................................................................................................................................................................................................................................................................................................... 2 Table q122 - Which of the following categories best describes your age? READ CHOICES ........................................................................................................................................................................................................ 7 Table q139 - For statistical purposes only, could you please tell me your race? ...................................................................................................................................................................................................................... 10 Table q142 - For statistical purposes only, we need to know your total family income for 2011. Will you please tell me which of the following categories best represents your total family income? READ CHOICES ..... 13 Table q10 - In general do you think our economy is on the right track or is it off on the wrong track? ................................................................................................................................................................................... 16 Table q11 - Looking ahead one year, do you expect your personal financial situation to get much better, somewhat better, stay about the same, get somewhat worse, or get much worse? ......................................... 17 Table q11b - Now looking back over the past year, has your personal financial situation gotten much better, somewhat better, stayed about the same, gotten somewhat worse, or gotten much worse? ................... 19 Table q12 - In general, do you think this is a very good time to buy a house, a somewhat good time, a somewhat bad time, or a very bad time to buy a house? ....................................................................................... 21 Table q13 - In general, do you think this is a very good time to sell a house, a somewhat good time, a somewhat bad time, or a very bad time to sell a house? ........................................................................................ 23 Table q13bb - When do you expect to move next? ................................................................................................................................................................................................................................................................. 24 Table q14 - How likely is it that you will buy a home in the next 3 years? READ CHOICES ....................................................................................................................................................................................................... 26 Table q15 - During the next 12 months, do you think home prices in general will go up, go down, or stay the same as where they are now? ..................................................................................................................... 28 Table q16 - By about what percent do you think home prices in general will go down on the average over the next 12 months? ........................................................................................................................................ 30 Table q17 - By about what percent do you think home prices in general will go up on the average over the next 12 months? ............................................................................................................................................. 32 Table q18 - During the next 12 months, do you think home rental prices in general will go up, go down, or stay the same as where they are now? ........................................................................................................... 35 Table q19 - By about what percent do you think home rental prices in general will go down on the average over the next 12 months? .............................................................................................................................. 37 Table q20 - By about what percent do you think home rental prices in general will go up on the average over the next 12 months? ................................................................................................................................... 39 Table q20b - During the next 12 months, do you think home mortgage interest rates will go up, go down, or stay the same as where they are now? ........................................................................................................ 41 Table q20c - By about what percent do you think home mortgage interest rates will go down on the average over the next 12 months? ........................................................................................................................... 43 Table q20d - By about what percent do you think home mortgage interest rates will go up on the average over the next 12 months? ................................................................................................................................ 45 Table q22 - Do you think it would be very difficult, somewhat difficult, somewhat easy, or very easy for you to get a home mortgage today?.................................................................................................................... 48 Table q22b - Generally speaking, do you think it will become easier or harder for people to get a mortgage in the near future? Will it become...READ CHOICES ....................................................................................... 50 Table q23bmp - What are the major obstacles to your getting a mortgage to purchase or refinance a home? OPEN END WITH PRE-CODES, SELECT UP TO 3 ............................................................................................ 52 Table q24c - Do you own your primary residence? .................................................................................................................................................................................................................................................................. 54 Table q24d - Do you have a mortgage on your primary residence or do you own your primary residence outright with no mortgage? ................................................................................................................................ 55 Table q24e - Do you have a first mortgage on your primary residence? .................................................................................................................................................................................................................................. 56 Table q24f - Do you have a Second mortgage or Home Equity Line of Credit? ........................................................................................................................................................................................................................ 57 Table q24g - Do you rent your primary residence or do you live with someone else and not pay for housing? ...................................................................................................................................................................... 58 Table q24 - HOMEOWNERSHIP STATUS ................................................................................................................................................................................................................................................................................... 59 Table q25 - Is this the first home you’ve owned? .................................................................................................................................................................................................................................................................... 63


Table q26a - How long have you owned your current home? NOTE TO INTERVIEWER: IN YEARS ........................................................................................................................................................................................... 64 Table q27 - How likely is that you will sell your home in the next three years? READ CHOICES .............................................................................................................................................................................................. 69 Table q28cc - Which of the following describes the type of home you currently live in? READ CHOICES ................................................................................................................................................................................ 70 Table q31 - If you were going to move, would you be more likely to: READ CHOICES ............................................................................................................................................................................................................. 73 Table g32b[{q32b}].mA - Being better off financially overall. To achieve this, are you better off owning or better off renting? ............................................................................................................................................ 74 Table g32b[{q33b}].mA - Having the best investment plan. To achieve this, are you better off owning or better off renting?............................................................................................................................................... 75 Table g32b[{q34b}].mA - Having the best overall tax situation. To achieve this, are you better off owning or better off renting? ......................................................................................................................................... 76 Table g32b[{q35b}].mA - Building up wealth. To achieve this, are you better off owning or better off renting? .................................................................................................................................................................... 78 Table g32b[{q36b}].mA - Saving for retirement. To achieve this, are you better off owning or better off renting? ................................................................................................................................................................ 80 Table g32b[{q37b}].mA - Living within your budget. To achieve this, are you better off owning or better off renting? .......................................................................................................................................................... 82 Table g32b[{q38b}].mA - Making the best decision given the current economic climate. To achieve this, are you better off owning or better off renting? ................................................................................................. 84 Table g32b[{q39b}].mA - Living in a convenient location. To achieve this, are you better off owning or better off renting? .................................................................................................................................................. 86 Table g32b[{q40b}].mA - Having a good place for your family or to raise your children. To achieve this, are you better off owning or better off renting? ................................................................................................... 87 Table g32b[{q41b}].mA - Feeling engaged in your community. To achieve this, are you better off owning or better off renting? ......................................................................................................................................... 89 Table g32b[{q42b}].mA - Living in a place where you and your family feel safe. To achieve this, are you better off owning or better off renting? ............................................................................................................... 90 Table g32b[{q43b}].mA - Having control over what you do with your living space. To achieve this, are you better off owning or better off renting? ........................................................................................................... 91 Table g32b[{q44b}].mA - Having a sense of privacy and security. To achieve this, are you better off owning or better off renting? ...................................................................................................................................... 93 Table g32b[{q45b}].mA - Having flexibility in future decisions. To achieve this, are you better off owning or better off renting? .......................................................................................................................................... 95 Table g32b[{q46bb}].mA - Living in a nicer home. To achieve this, are you better off owning or better off renting? ............................................................................................................................................................. 97 Table g32b[{q47b}].mA - Living in your preferred school district. To achieve this, are you better off owning or better off renting? ...................................................................................................................................... 99 Table g32b[{q48b}].mA - Having less stress. To achieve this, are you better off owning or better off renting? .................................................................................................................................................................... 101 Table q46b - Which of the following is the best reason to buy a house? READ CHOICES ...................................................................................................................................................................................................... 102 Table q47 - Which is closer to your view? READ CHOICES ..................................................................................................................................................................................................................................................... 105 Table q47bb - Which is closer to your view? READ CHOICES ................................................................................................................................................................................................................................................. 108 Table q50 - In the future, are you more likely to: READ CHOICES .......................................................................................................................................................................................................................................... 111 Table q50a - Based on your personal situation, how soon do you expect to be buying a home? READ CHOICES ................................................................................................................................................................. 113 Table q50b - In the future, are you more likely to: READ CHOICES ........................................................................................................................................................................................................................................ 115 Table g51a[{Q51a}].mA - Having no debt of any kind. Is it important to you that you have this in your life? ........................................................................................................................................................................ 116 Table g51a[{Q51b}].mA - Living within walking distance of your favorite stores and shops. Is it important to you that you have this in your life? ............................................................................................................. 118 Table g51a[{Q51c}].mA - Having access to public transportation. Is it important to you that you have this in your life? ...................................................................................................................................................... 120 Table g51a[{Q51d}].mA - Owning your own business. Is it important to you that you have this in your life? ....................................................................................................................................................................... 122 Table g51a[{Q51e}].mA - Saving as much money as you can rather than spending it on things you want now. Is it important to you that you have this in your life? ................................................................................ 124 Table g51a[{Q51f}].mA - Living close to your family. Is it important to you that you have this in your life? .......................................................................................................................................................................... 126 Table g51a[{Q51g}].mA - Having children. Is it important to you that you have this in your life? ......................................................................................................................................................................................... 128


Table g51a[{Q51h}].mA - Living in the best school district. Is it important to you that you have this in your life? ................................................................................................................................................................ 130 Table g51a[{Q51i}].mA - Reducing the impact of your actions and lifestyle on the environment. Is it important to you that you have this in your life? ..................................................................................................... 132 Table g51a[{Q51j}].mA - Having the latest technology. Is it important to you that you have this in your life? ...................................................................................................................................................................... 134 Table g51a[{Q51k}].mA - Being in a home that you stay in the rest of your life, as opposed to moving to a new home periodically. Is it important to you that you have this in your life? ............................................... 136 Table g51a[{Q51l}].mA - Feeling connected through social media. Is it important to you that you have this in your life? .................................................................................................................................................... 138 Table g51a[{Q51m}].mA - Using technology to manage your personal finances online. Is it important to you that you have this in your life? .................................................................................................................... 140 Table g51a[{Q51n}].mA - Owning products that others will admire. Is it important to you that you have this in your life?.................................................................................................................................................. 142 Table g51a[{Q51o}].mA - Earning many professional awards and/or achievements. Is it important to you that you have this in your life? ......................................................................................................................... 144 Table g51a[{Q51p}].mA - Being connected to a large community of friends, family, and peers. Is it important to you that you have this in your life? ....................................................................................................... 146 Table g52a[{Q52a}].mA - I have no debt of any kind. Does this describe your current lifestyle? ........................................................................................................................................................................................... 147 Table g52a[{Q52b}].mA - I live within walking distance of my favorite stores and shops. Does this describe your current lifestyle? ................................................................................................................................... 149 Table g52a[{Q52c}].mA - I have access to public transportation. Does this describe your current lifestyle? ......................................................................................................................................................................... 151 Table g52a[{Q52d}].mA - I own my own business. Does this describe your current lifestyle? ............................................................................................................................................................................................... 153 Table g52a[{Q52e}].mA - I save as much money as I can. Does this describe your current lifestyle? .................................................................................................................................................................................... 155 Table g52a[{Q52f}].mA - I live close to my family. Does this describe your current lifestyle? ................................................................................................................................................................................................ 156 Table g52a[{Q52g}].mA - I live in the best school district. Does this describe your current lifestyle? .................................................................................................................................................................................... 157 Table g52a[{Q52h}].mA - My actions and lifestyle have a minimal impact on the environment. Does this describe your current lifestyle?......................................................................................................................... 159 Table g52a[{Q52i}].mA - I have the latest technology. Does this describe your current lifestyle? ......................................................................................................................................................................................... 160 Table g52a[{Q52j}].mA - I plan to live in my home for the rest of my life. Does this describe your current lifestyle? ........................................................................................................................................................... 162 Table g52a[{Q52k}].mA - I pay off my credit card balance every month. Does this describe your current lifestyle? ............................................................................................................................................................. 164 Table g52a[{Q52l}].mA - I feel connected through social media. Does this describe your current lifestyle? ......................................................................................................................................................................... 166 Table g52a[{Q52m}].mA - I use technology to manage my personal finances online. Does this describe your current lifestyle? ......................................................................................................................................... 168 Table g52a[{Q52n}].mA - I own products that others admire. Does this describe your current lifestyle? ............................................................................................................................................................................. 170 Table g52a[{Q52o}].mA - I have earned many professional awards and/or achievements. Does this describe your current lifestyle? ................................................................................................................................. 172 Table g52a[{Q52p}].mA - I am connected to a large community of friends, family, and peers. Does this describe your current lifestyle? ........................................................................................................................... 174 Table q70 - How did you decide how much to spend on your home? Please tell me all that apply. READ CHOICES ............................................................................................................................................................. 176 Table q70b - How did you make the calculation? .................................................................................................................................................................................................................................................................. 179 Table q70e - Do you plan on buying any big household items, such as furniture, major appliances, or a TV in the next twelve months? ............................................................................................................................ 181 Table q70f - Do you plan on making improvements to your home in the next twelve months? This includes remodeling, additions, and major replacements to your property, though excludes maintenance and repair work. ............................................................................................................................................................................................................................................................................................................................................... 182 Table q70g - Approximately how much do you expect to spend on these improvements? READ CHOICES .......................................................................................................................................................................... 183 Table q70h - Have you made any improvements to your home in the last twelve months? This includes remodeling, additions, and major replacements to your property, though excludes maintenance and repair work. ............................................................................................................................................................................................................................................................................................................................................... 185 Table q70i - Approximately how much did you spend on these improvements? READ CHOICES .......................................................................................................................................................................................... 186


Table q71b - Have you ever refinanced the mortgage on your current home? ..................................................................................................................................................................................................................... 188 Table q71c - What was the most recent year you refinanced your mortgage? ...................................................................................................................................................................................................................... 189 Table q71d - What year did you get your original first mortgage on your CURRENT home? ................................................................................................................................................................................................. 192 Table q71i - How likely are you to refinance the mortgage on your primary home in the next 12 months? READ CHOICES ................................................................................................................................................. 196 Table q71j - How easy or difficult would it be to refinance the mortgage on your primary home? READ CHOICES .............................................................................................................................................................. 197 Table q72 - Which of the following best describes the value of your home? READ CHOICES ................................................................................................................................................................................................ 199 Table g75[{q75}].mA - Buying a home. Do you think this investment is... READ CHOICES ..................................................................................................................................................................................................... 201 Table g75[{q76}].mA - Buying stocks. Do you think this investment is... READ CHOICES ....................................................................................................................................................................................................... 203 Table g75[{q77}].mA - Buying government or corporate bonds. Do you think this investment is... READ CHOICES .............................................................................................................................................................. 206 Table g75[{q79}].mA - Investing in a mutual fund. Do you think this investment is... READ CHOICES ................................................................................................................................................................................... 209 Table g75[{q80}].mA - Putting money into a savings or money market account. Do you think this investment is... READ CHOICES ..................................................................................................................................... 211 Table g75[{q81}].mA - Putting money into an IRA or 401(k) plan. Do you think this investment is... READ CHOICES ............................................................................................................................................................ 214 Table q82 - Which of the following best describes the type of mortgage you have? READ CHOICES .................................................................................................................................................................................... 216 Table q87 - If a person’s home is now worth less than what they owe on it, do you think it’s okay for them to stop paying their mortgage? ..................................................................................................................... 219 Table q88 - If a person is facing financial distress, do you think it’s okay for them to stop paying their mortgage? ............................................................................................................................................................. 220 Table q89 - Do you know of people in your area or neighborhood who have defaulted on their mortgage? ....................................................................................................................................................................... 221 Table q90 - Do you know anyone who has stopped making their monthly mortgage payment, despite being able to afford it, because they no longer believe owning their home is a good investment? ..................... 222 Table q90b - Do you know anyone who has stopped making their mortgage payments within the last 3 months? ............................................................................................................................................................. 223 Table q91 - Thinking about the total amount you owe on your home (including first mortgage, second mortgage, and home equity line of credit debt) compared to the value of your home today, would you say the total amount you owe on your home is: READ CHOICES ................................................................................................................................................................................................................................................................ 224 Table q92 - Is that because: READ CHOICES ........................................................................................................................................................................................................................................................................... 228 Table q95 - Have the terms of your mortgage, such as the rate, term, payment, or principal, ever been modified because you were behind on or defaulted on your mortgage, or because you were at risk of that? .. 230 Table q99 - Thinking about the value of your home today compared to what you paid for the home, would you say your home is worth: READ CHOICES ................................................................................................ 231 Table q100 - Have you seriously considered, somewhat considered, not seriously considered, or not considered at all stopping or incompletely paying your mortgage? ....................................................................... 235 Table q106b - For a person to get a mortgage, what percent of a home's total price should be required as down payment? ............................................................................................................................................. 237 Table q107 - Which if any of the following do you currently have? Please tell me all that apply. READ CHOICES ................................................................................................................................................................. 240 Table q109 - Are you very stressed, somewhat stressed, not very stressed or not at all stressed about your ability to make payments on your debts? .................................................................................................... 244 Table q111 - Do you feel you have sufficient savings? ........................................................................................................................................................................................................................................................... 246 Table q112 - Do you feel that your current household income is sufficient for the amount of expenses you have, including any payments on debt and mortgages? ............................................................................... 247 Table q112b - How concerned are you that you will lose your job in the next twelve months? Are you very concerned, somewhat concerned, not very concerned, or not at all concerned that you will lose your job in the next twelve months? ............................................................................................................................................................................................................................................................................................................. 248 Table q116 - How does your current monthly household income compare to what it was twelve months ago? Would you say it is: READ CHOICES ......................................................................................................... 250 Table q117 - How do your current monthly household expenses compare to what they were twelve months ago? Would you say they are: READ CHOICES ........................................................................................... 252 Table q118 - How does the total amount of debt on your house, including first mortgage, second mortgage, and home equity line of credit debt, compare to what it was twelve months ago? Would you say it is: READ CHOICES ................................................................................................................................................................................................................................................................................................................................. 254


Table q119 - How does the total amount of your other household debt, for example credit cards, auto loans, student loans, and any other installment loans, but not including any debt on your house, compare to what it was twelve months ago? Would you say it is: READ CHOICES ............................................................................................................................................................................................................................................... 256 Table q121 - What is the last grade that you completed? READ CHOICES ............................................................................................................................................................................................................................. 258 Table q123 - Would you say the area you live in is ...? READ CHOICES .................................................................................................................................................................................................................................. 260 Table q124 - Do you own a second home or investment home? ........................................................................................................................................................................................................................................... 261 Table q125 - What is your current marital status - are you: READ CHOICES .......................................................................................................................................................................................................................... 263 Table g126[{q126}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Children under age 18 .................................................................................................................................................................................................................................................................................................................................... 265 Table g126[{q127}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Children age 18-22 ........................................................................................................................................................................................................................................................................................................................................... 267 Table g126[{q128}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Children age 23 or older .................................................................................................................................................................................................................................................................................................................................. 269 Table g126[{q129}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Parents of you or your spouse or partner .......................................................................................................................................................................................................................................................................................................... 271 Table g126[{q130}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Other relatives like siblings or cousins ............................................................................................................................................................................................................................................................................................................ 273 Table g126[{q131}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Other non-relatives ................................................................................................................................................................................................................................................................................................................................. 275 Table q132 - Which of the following best describes your current employment status? READ CHOICES ................................................................................................................................................................................ 277 Table q133 - How would you describe the work you do? READ CHOICES .............................................................................................................................................................................................................................. 279 Table q134 - How many people, other than yourself, are employed full time in your household? ....................................................................................................................................................................................... 283 Table q138 - Does anyone in your household have more than one job? ............................................................................................................................................................................................................................... 285 Table q140 - Did you immigrate to the United States from another country? ....................................................................................................................................................................................................................... 286 Table q141 - When did you arrive in this country? READ CHOICES ........................................................................................................................................................................................................................................ 287 Table q143b - And again, for statistical purposes only, please tell me which of the following categories best represents how much in assets you currently have, either invested or available for investing, in terms of checking or savings accounts, investment accounts, and brokerage accounts, but not including the value of any real estate or employer-sponsored retirement plan such as a 401k? READ CHOICES ......................................... 289 Table q144b - Finally, for statistical purposes only, please tell me which of the following categories represents how much total debt your household currently have, including first mortgage, second mortgage, home equity line of credit, credit card, auto and student loan, and any other debt? READ CHOICES ........................................................................................................................................................................................................ 292


Table q122 - Which of the following categories best describes your age? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter Hispanic

African American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High Scho

ol

High Scho

ol

Some Colleg

e

College/grad Scho

ol

<$25k

$25-50k

$50-

100k

>$100k

A B C D E F G H I J K L M N O P Q R S

18-20

4% BcDIJKO

1% IJK

2% IJK

1% IJK

9% ABCDfIJKLNOpQRS

6% BCDIJKOrs

8% ABCDIJKOQRS

14% ABCDEFGIJKLMNOP

QRS

0%

0%

0%

4% BDIJK

O

7% ABCDIJKOQR

S

6% BCDIJKORs

1% IJK

7% ABCDIJKOR

S

4% BDIJKO

3% BDIJKO

3% BDIJK

O

21-24

9% BcDIJKLOS

4% IJK

6% DIJKl

2% IJK

18% ABCDFGIJKL

MOPQRS

9% BDIJKLS

9% BDIJKLS

27% ABCDEFGIJKLMNOP

QRS

0%

0%

0%

2% IJK

8% BDIJKLS

14% ABCDFGIJKLMOQRS

7% BDIJKLS

13% ABCDFgIJKLMOR

S

9% BcDIJKLo

S

8% BDIJKLS

4% IJK

25-29

9% BCDIJKM

7% DIJK

5% IJK

4% IJK

16% ABCDGIJKL

MNOPQRS

12% aBCDIJKLMqS

10% bCDIJKm

29% ABCDEFGIJKLMNOP

QRS

0%

0%

0%

6% IJK

6% DIJK

10% BCDIJKlMs

11% ABCDIJKLMq

S

11% BCDIJKLMs

8% DIJK

10% BCDIJKlM

7% DIJK

30-34

9% DIJKN

9% DIJKN

10% DIJKN

2% IJK

13% ABDgIJKLNPq

R

11% DIJK

N

9% DIJK

29% ABCDEFGIJKLMNOP

QRS

0%

0%

0%

7% DIJK

10% DIJK

N

6% DIJK

12% ABDgIJKlNpR

9% DIJKn

9% DIJK

N

8% DIJK

n

11% aDIJK

N

35-39

9% DEHJKl

MP

14% ADEFGHJKLMNP

Q

11% DEHJKLMP

3% HJK

7% DHJKP

9% DHJK

lP

8% DHJKP

0%

50% ABCDEFGHJKLMNOP

QRS

0%

0%

5% HJK

6% DHJK

p

10% DEHJK

lmP

12% ADEgHJKLMP

Q

4% HJK

8% DHJKP

12% ADEHJKLMPq

13% ADEfgHJKLMnP

Q 40-44

9% DHJKP

13% ADEGHJKMNOPQ

11% DHJK

p

3% HJK

8% DHJK

13% ADEgHJK

MNOPQ

7% DHJ

K

0%

50% ABCDEFGHJKLMNOP

QRS

0%

0%

15% ADEGHJKMNO

PQ

8% DHJK

8% DHJK

8% DHJ

K

6% DHJK

8% DHJ

K

11% aDgHJKmnOP

12% ADegHJKmnOP

45-49

10% dEHIKP

15% ADEFgHIKMNOPQR

17% ADEFGHIKMNOPQR

8% HIK

5% HIK

10% EHIK

p

10% EHIKP

0%

0%

29% ABCDEFGHIKLMNOP

QRS

0%

12% EHIK

P

9% EHIK

p

9% EHIK

11% DEHIKP

6% HIK

9% EHIK

11% dEHIKP

15% ADEFgHIKMNOPQr


GP OWNER STATUS RACE GENERATION EDUCATION INCOME GP Mortg

age Underwater


African American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High Scho

ol

High Scho

ol

Some Colleg

e

College/grad Scho

ol

<$25k

$25-50k

$50-

100k

>$100k

A B C D E F G H I J K L M N O P Q R S 50-54

9% EHIKO

11% AEGHIKNO

RS

11% eHIK

9% HIK

6% HIK

12% EgHIKnO

7% HIK

0%

0%

26% ABCDEFGHIKLMNOP

QRS

0%

12% EgHI

K

10% eHIK

8% HIK

8% HIK

9% HIK

10% EHIK

9% HIK

8% HIK

55-59

8% EHIK

8% HIK

8% HIK

13% ABcEFGHIKlMNOP

QRs

5% HIK

6% HIK

8% HIK

0%

0%

24% ABCDEFGHIKLMNOP

QRS

0%

8% HIK

8% eHIK

8% eHIK

8% EHIK

6% HIK

8% eHIK

8% HIK

10% bEFHI

Kp

60-64

7% EHIKr

7% EHIK

9% EHIKR

12% ABEFHIKlMNOPQRS

4% HIK

6% HIK

10% aEfHIKnR

0%

0%

21% ABCDEFGHIKLMNOP

QRS

0%

8% eHIK

7% EHIK

6% eHIK

7% EHIK

r

7% EHIK

7% EHIK

5% HIK

7% eHIK

65-69

5% EFHIJ

5% eFHIJ

3% HIJ

9% ABCEFGHIJLMNOP

QRS

3% HIJ

2% HIJ

5% efHI

J

0%

0%

0%

29% ABCDEFGHIJLMNOP

QRS

4% HIJ

6% EFHI

J

4% fHIJ

5% EFHI

J

5% EFHIJ

5% eFHI

J

5% EFH

IJ

4% HIJ

70-74

4% BCEfHIJ

3% cHIJ

1% HIJ

9% ABCEFGHIJLMNOP

QRS

2% HIJ

2% HIJ

3% HIJ

0%

0%

0%

24% ABCDEFGHIJLMNOP

QRS

3% HIJ

6% ABCEFGHIJNOrs

3% HIJ

3% CHIJ

4% CEfHI

J

4% cHIJ

4% CHIJ

3% cHIJ

75+

8% BEFHIJORS

4% HIJS

6% HIJS

23% ABCEFGHIJLMNOP

QRS

3% HIJ

4% HIJs

6% eHIJ

S

0%

0%

0%

47% ABCDEFGHIJLMNOP

QRS

14% ABCEFGHIJNOR

S

9% BEFHIJORS

7% BEfHIJ

oS

5% HIJS

13% ABCEFGHIJMNO

RS

10% BcEFgHIJnORS

5% HIJS

2% HIJ

Don’t know VOL

.%

.%

.%

.%

.%

.%

.%

0%

0%

0%

0%

0%

.%

.%

.%

.%

.%

.%

.%


Statistics: Overlap formulae used - Column Proportions: Columns Tested (5%): A/B/C/D/E/F/G/H/I/J/K/L/M/N/O/P/Q/R/S, (10%): a/b/c/d/e/f/g/h/i/j/k/l/m/n/o/p/q/r/s Minimum Base: 30 (**), Small Base: 100 (*) Cell Contents: - Column Percentage - Statistical Test Results


Table q139 - For statistical purposes only, could you please tell me your race? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgag

e

Underwater

Owner

Renter Hispanic African America

n

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


White / Caucasian

64%

EFGhLP

70% AEFGHIJLmP

Q

70% aEFGHIjLPQ

71% AEFGHIJLMP

Q

53% FGLP

5% G

0%

60%

EFGLP

62% EFGL

P

64% EFGLP

75% ABEFGHIJLMnP

Q

37% FG

65% EFGhLP

70% AEFGHIJLPQ

71% AEFGHIJLMPQ

44% FGl

62% EFGL

P

73% AEFGHIJLMP

Q

72% AEFGHIJLMPQ

Black / African-American

12%

BDFOS

8% F

9% F

9% F

19% ABCDFHIJKMNOQR

S

2%

100% ABCDEFHIJKLMNOPQR

S

14%

BcDFOS

11% BFO

S

12% BcDFOS

10% F

17% aBCDFiKOQrS

13% BcDFOS

13% BcDFOS

8% F

20% ABCDFHIJKMNOQRS

10% F

11% BFO

S

7% F

Hispanic / Latino

16% BDGKNORS

14% GKnORS

14% GKOrS

12% GKO

s

21% ABCDGJKNOR

S

91% ABCDEGHIJKLM

NOPQRS

0%

19% BDGKNORS

20% ABcDGjKNOR

S

15% dGKNORS

8% G

41% ABCDEGHIJKMNOPQR

S

17%

DGKNORS

11% GO

7% G

28% ABCDEGHIJKMNOq

RS

22% ABCDGJKmNORS

10% GO

9% G

Asian

5% FGMN

6% aFGMNQ

4% FGM

4% FGM

4% FGM

.%

0%

4% FGM

5% FGM

n

6% FGMNq

5% FGM

3% FG

2% FG

3% FG

11% ABCDEFGHIJKL

MNPQR

4% FGM

3% FGm

5% FGM

n

9% ABCDEFGHIJKL

MNPQR Middle Eastern

.%

.%

.%

.%

.%

0%

0%

.%

0%

.%

0%

0%

0%

0%

.%

.%

0%

.%

.%


GP OWNER STATUS RACE GENERATION EDUCATION INCOME GP Mor

tgage

Underwater

Owner


n

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S American Indian or Alaska Native

1% gkR

1%

2% fgkR

1% gK

1% fGkr

.%

0%

1%

1% fGkR

1% fgkR

.%

.%

1%

1% bfGKR

1% gkr

2% bFGKR

1%

.%

1%

Native Hawaiian or Pacific Islander

.%

.%

.%

.%

.%

0%

0%

.%

.%

.%

0%

.%

.%

0%

.%

.%

.%

.%

.%

Other

2% Gr

2% G

2% G

2% G

2% G

2% G

0%

3% Gr

1% g

2% G

2% G

2% g

2% G

2% G

2% GR

2% G

2% G

1% g

2% G

Don’t know VOL

.%

.%

.%

.%

.%

.%

0%

.%

.%

.%

.%

.%

.%

.%

.%

.%

.%

.%

.%



Table q142 - For statistical purposes only, we need to know your total family income for 2011. Will you please tell me which of the following categories best represents your total family income? READ CHOICES

GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwat

er

Owner

Renter

Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High

School

High Scho

ol

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Less than $10,000

7% BCDINOQRS

2% QRS

3% QRS

5% BOQR

S

15% ABCDfHIJKMNOQRS

11% ABCDIJmNOQRS

18% ABCDFHIJKMNOQRS

9% BCDINOQRS

4% BOQRS

6% BCiNOQR

S

8% BCDINOQRS

23% ABCDEFHIJKMNOQRS

7% BCInOQR

S

4% BOQRS

2% QRS

32% ABCDEFGHIJKLMNOQRS

0%

0%

0%

$10,000-$14,999

5% BCIJNOQRS

1% QRS

.% r

6% aBCIJNOQ

RS

8% ABCgIJNOQ

RS

11% ABCDGHIJMNOQRS

5% BCIOQRS

7% aBCIJNOQRS

2% cQRS

3% BCOQRS

8% ABCgIJNOQ

RS

14% ABCDEGHIJKMNOQRS

6% BCIJNOQ

RS

3% BCoQRS

1% QRS


0%

0%

0%

$15,000-$24,999

10% BIjOQRS

5% OQR

S

8% bOQRS

10% BiOQ

RS

16% ABCDHIJk

MNOQRS

16% ABCDIJmNOQRS

13% BcIJOQRS

12%

BcIjOQRS

7% OQR

S

9% BOQRS

12% BcIjOQRS

18% ABCDhIJkmNOQR

S

12% BIjOQRS

11% BIOQ

RS

4% QRS


0%

0%

0%

$25,000-$34,999

10%

BJOPRS

6% OPRS

8% oPRS

9% bOPR

S

15% ABCDGhIJNOPRS

19% ABCDeGHIJKMNOPRS

9% OPRS

11%

BJOPRS

10% BOPRS

7% OPRS

13% aBCDJOPRS

15% ABCDGiJnOPRS

13% ABCDGiJnOPRS

10% BjOP

RS

5% PRS

0%

43% ABCDEFGHIJKLMNO

PRS

0%

0%

$35,000-$49,999

13%

iOPRS

13% iOPR

S

15% iOPR

S

15% IlOPR

S

12% PRS

13% PRS

11% PRS

12%

PRS

11% PRS

16% ABEghILOPRS

13% PRS

10% PRS

18% ABEGHIKLnOPR

S

13% PRS

10% PRS

0%

57% ABCDEFGHIJKLMNO

PRS

0%

0%


GP OWNER STATUS RACE GENERATION EDUCATION INCOME GP Mort

gage Underwat

er

Owner

Renter

Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High

School

High Scho

ol

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S $50,000-$74,999

16%

EFLPQS

18% AEFhLoPQ

S

17% FLPQ

S

18% EFLPQS

13% LPQS

11% LPQS

17% efLPQ

S

14% LPQS

20% AEFHLoPQ

S

16% eFLPQS

15% LPQS

6% PQS

16% LPQ

S

22% ABdEFHJKLMOPQS

16% EFLPQ

S

0%

0%

59% ABCDEFGHIJKLMNO

PQS

0%

$75,000-$99,999

11%

DEFgKLmPQS

16% ADEFGhJKLMOPQS

13% DEFgKLmP

QS

7% PQS

7% PQS

5% PQS

8% PQS

12%

DEFgKLmPQS

15% ADEFGJKLMPQ

S

10% deFLPQS

7% PQS

4% PQS

8% PQS

15% ADEFGJKLMPQ

S

14% ADEFGJKL

MPQS

0%

0%

41% ABCDEFGHIJKLMNO

PQS

0%

$100,000-$149,999

11%

dEFGKLMPQR

18% ADEFGHJKLMNPQR

20% ADEFGHJKLMNPQR

9% EfkLP

QR

3% PQR

5% eLPQ

R

6% eLPQ

R

9% EfLPQR

15% ADEFGHKLMNPQR

13% ADEFGhKLMNPQR

6% ELPQR

1% Pqr

8% ELPQR

9% EFgkLPQR

20% ABDEFGHIJKLMNP

QR

0%

0%

0%

58% ABCDEFGHIJKLMNOPQR

$150,000-$199,999

4% EFKMPQR

7% ADEFGHJKLMNPQR

6% EFghKlMPQR

4% EFKMPQR

1% Pqr

1% PQR

2% EPQR

3% EfmPQR

7% ADEFGHKLMNPQR

5% EFgKMPQ

R

2% PQR

2% PQR

1% PQR

4% EFK

MPQR

8% ABDEFGHJKLMNPQ

R

0%

0%

0%


$200,000+

4% efKLMNPQR

5% AEFgKLMNPQ

R

4% LMNPQR

4% LMNP

QR

2% lmPQ

R

2% lPQR

3% LmPQ

R

4% LMNPQR

4% fLMNPQR

5% aEFKLMNPQR

2% lPQR

.%

1% PQR

2% PQR

10% ABCDEFGHIJKLMNPQR

0%

0%

0%


Don’t know VOL

9% bFIPQRS

8% FPQR

S

6% fPQR

S

13% ABCEFGHIJLNOPQRS

8% FPQR

S

3% PQRS

8% FPQR

S

7% FPQRS

6% fPQR

S

10% BCFhIPQR

S

14% ABCEFGHIjLmNOP

QRS

7% FPQR

S

10% cFhIPQR

S

8% FiPQRS

9% FIPQR

S

0%

0%

0%

0%


Table q10 - In general do you think our economy is on the right track or is it off on the wrong track? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African American

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High

School

High School

Some College

College/gra

d School

<$25k $25-50k

$50-100k

>$100k


Right track

41% Dl

39%

41%

36%

46% ABDIJKLMP

46% aBDIJKLMp

75% ABCDEFHIJKLMNOPQRS

45% aBDijKLm

39%

39%

37%

33%

39%

42% Dl

44% ABDIJKLm

40%

42% dl

42% dl

41% dl

Wrong track

53% EFGHP

56% AEFGHnOP

52% efG

59% AEFGHKNOPq

r

44% G

45% G

18%

48% G

56% EFGHP

56% AEFGHO

P

53% EFGp

54% EFGp

54% EFGhP

52% EFG

52% EFGp

47% G

53% EFG

54% EFGhp

56% EFGHOP

Don’t know VOL

7% BJORS

5% OS

7% OS

5% oS

9% ABDIJNOQR

S

9% aBDiJOQRS

8% bjOrS

7% OrS

6% OS

5% OS

10% ABDIJNOQR

S

13% ABcDhIJmNOQR

S

7% jOrS

6% OS

4% s

13% ABCDEfGHIJkMNOQRS

5% S

5% s

2%



Table q11 - Looking ahead one year, do you expect your personal financial situation to get much better, somewhat better, stay about the same, get somewhat worse, or get much worse?


GP Mortgage

Underwater


African America

n

Gen Y Gen X

Boomer

Pre-boomer

Less Than High School

High School

Some

College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100

k

>$100k


Much better

15% BDJKOS

12% dK

12% K

9% K

24% ABCDIJKLMNOP

QRS

28% ABCDIJKLMNOP

QRS

34% ABCDEHIJKLMNO

PQRS

24% ABCDIJKLMNO

PqRS

16% BDjKS

12% DK

6%

15% DK

17% BDJKS

16% BDJK

S

13% BDK

18% BcDJK

OrS

19% aBCDJKORS

13% DK

11% K

Somewhat better

27% DKMr

27% DKMR

29% DKm

r

17% k

31% ADJKM

NRS

37% ABcDeIJKMNOQ

RS

34% ABDiJKM

NqRS

34% ABDIJKMNoQR

S

27% DK

26% DK

14%

31% DKMr

23% DK

26% DK

29% AbDJKMR

S

34% ABDIJKMNoQRS

27% DK

24% DK

25% DK

Stay about the same

39% EFGHP

41%

EFGHP

38% eFG

h

49% ABCEFGHIJLMNOPQR

31%

27%

27%

31%

39% EFGH

40% EFGHP

54% ABCDEFGHIJLMNO

PQRS

35% F

42% EFGHP

39% EFG

H

39% EFGHp

34% FG

37% EFG

h

43% AEFGHloPq

44% AEFGHilOPq

Somewhat worse

11% EFGHP

12%

EFGHnP

11% FGh

13% aEFGHn

Pq

8% G

5%

3%

6% G

13% EFGHnP

13% AEFGHNoPq

13% EFGHnP

12% FGHP

11% FGHP

10% FGH

11% EFGHP

7% G

10% FGh

12% EFGHP

12% eFGHP

Much worse

6% FGhiO

6% FGio

8% FGHI

o

8% AbEFGHImOPqS

4% G

2%

1%

4% G

4% G

7% eFGhiO

10% ABEFGHIjLMOPQrS

5% G

6% FG

8% AbEFGHIOps

5% fG

5% fG

5% FG

7% FGHIO

5% fG


GP OWNER STATUS RACE GENERATION EDUCATION INCOME GP Mo

rtgage

Underwater


African America

n

Gen Y Gen X

Boomer

Pre-boomer


High School

Some

College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100

k

>$100k

A B C D E F G H I J K L M N O P Q R S Don’t know VOL

2% EghR

2% Egh

R

3% Eghr

5% ABEFGHIJLmNOP

QR

1%

1%

1%

1%

2% e

3% EfGH

R

4% AbEFGHln

oPR

1%

3% EfGHR

2% Eg

2% EGH

R

2% e

2% Eg

1%

3% EFGHR



Table q11b - Now looking back over the past year, has your personal financial situation gotten much better, somewhat better, stayed about the same, gotten somewhat worse, or gotten much worse?

G

P OWNER STATUS RACE GENERATION EDUCATION INCOME

GP

Mortgag

e

Underwate

r

Owner Renter

Hispanic

African American

Gen Y Gen X

Boomer

Pre-boomer

Less

Than High School

High School

Some Colleg

e

College/gra

d Schoo

l

<$25k

$25-50k

$50-

100k

>$100k


Much better

8% BJK

6% K

7% K

7% K

11% ABDJKLNP

R

11% ABcDJKLNp

R

15% ABCDeIJKLMNOPQ

RS

13% ABCDiJKL

NOPR

8% BJK

5%

3%

6%

10% BDJKn

6% K

9% BdJKn

8% jK

10% BdJKN

7% jK

9% BdJKn

Somewhat better

22% DJK

23% DJK

23% DK

13%

26% ADJKnpQ

26% aDJKq

29% ABDIJKMNOPQR

30% ABCDeIJKlMNOPQR

s

22% DK

19% DK

13%

22% DK

22% DK

21% DK

23% DJK

22% DK

21% DK

23%

DjK

25%

DJK

Stayed about the same

48% gH

47% H

46%

57% ABCEFGHIJlMNOPQ

RS

44%

46%

42%

40%

46%

50% aBEGH

ns


S

49% h

49% gH

46% h

48% gH

48% gH

49% gH

46% H

45%

Somewhat worse

16% eFGH

17% EFG

H

17% Fgh

17% eFGH

13%

11%

11%

12%

17% eFGh

17% EFGH

m

19% aEFGHM

14%

14%

18% aEFG

H

16% eFGH

15% fg

15% fg

16% FGH

16% fg

Much worse

6% GOS

7% GhO

S

7% GOS

5% g

6% G

6% g

3%

5%

6% Gos

8% ADeGHkMOQ

S

5% g

9% GhOS

5%

8% adGHkmOQ

S

4%

7% GhmO

S

5%

8% GHmO

S

4%


GP

OWNER STATUS RACE GENERATION EDUCATION INCOME

GP

Mortgag

e

Underwate

r

Owner Renter

Hispanic

African American

Gen Y Gen X

Boomer

Pre-boomer

Less

Than High School

High School

Some Colleg

e

College/gra

d Schoo

l

<$25k

$25-50k

$50-

100k

>$100k


.%

.%

0%

.%

.%

.%

.%

.%

1% aqR

.%

.%

0%

.%

.%

.%

.%

0%

.%

1% ho



Table q12 - In general, do you think this is a very good time to buy a house, a somewhat good time, a somewhat bad time, or a very bad time to buy a house?


GP Mortgage

Underwate

r

Owner

Renter

Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High

School

High School

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Very good time

31% EHLMnP

38% ADEFGHijKLMNPQR

37% AEFGHkLMNPQ

32%

EHLMNPq

21% p

28% EP

29% ElP

24% P

34% aEF

HLMNPQ

35% AEFgHLMNPQ

31% EHLm

P

22% p

26% EP

27% EP

42% ABDEFGHIJKL

MNPQR

17%

27% EP

34% AEFHLMNPQ


Somewhat good time

41% FGJKLP

40% fgjLp

41% l

39% l

43% FGJK

LP

34%

34%

47% ABDFGJKLOPS

42% FGL

p

37%

36%

31%

44% dFGJKLP

45% ABDFGJKLOPs

40% fl

35%

46% abDFGJKLOPs

44% bdFGJKLOP

39% l

Somewhat bad time

15% BcORS

12% S

11%

15% bOS

18% ABChInORS

22% ABCDHIJKmNOQRS

19% aBCInORS

15% oS

13% S

16% BCORS

15% bOS

21% aBCInO

RS

17% BCiORS

14% S

11% S

24% ABCDEHIJKMNOQRS

15% oS

13% s

8%

Very bad time

8% BOrS

6% Os

8% OS

9% bOS

11% ABHjmOQRS

11% BOqRS

13% ABcd

HiJMnOQRS

8% OS

9% BOS

8% BOS

10% BOrS


8% OS

9% BOrS

4%


7% Os

6% O

4%

Don’t know VOL

5% BIJORS

3% S

2%

5% bIJOrS

7% ABCIJnORS

5% bIjOS

5% IoS

6% BCIJORS

2%

3% s

8% ABCDIJMNOqRS

9% ABCdfIJNOqRS

5% IjoS

4% IS

3% S

8% ABCDfGIJMNOq

RS

5% IoS

3%

1%

Statistics: Overlap formulae used


- Column Proportions: Columns Tested (5%): A/B/C/D/E/F/G/H/I/J/K/L/M/N/O/P/Q/R/S, (10%): a/b/c/d/e/f/g/h/i/j/k/l/m/n/o/p/q/r/s Minimum Base: 30 (**), Small Base: 100 (*) Cell Contents: - Column Percentage - Statistical Test Results


Table q13 - In general, do you think this is a very good time to sell a house, a somewhat good time, a somewhat bad time, or a very bad time to sell a house?


GP Mortgage

Underwater

Owner

Renter

Hispanic

African American

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Very good time

3% COr

3% C

1%

4% co

4% c

5% CHNOR

6% ABCHNOQR

2%

3% C

4% abChNOR

3% c

6% abCHN

OqR

4% C

2%

2%

5% aCHNO

R

3%

2%

3% c

Somewhat good time

18%

BO

15%

17%

18%

21% ABFJln

OQ

15%

29% ABCDEFHIJKLMNOPQRS

20% Bo

17%

16%

17%

15%

21%

aBFJoq

17%

16% b

18%

16%

18% B

18% b

Somewhat bad time

42%

eGkP

44% AEGKlP

40%

42% Gkp

38%

44% eGkl

P

33%

42% Gp

43% G

43% eGkP

38%

36%

40% g

44% EGKlP

44% AEGKl

P

37%

47% acEGKLMP

42% G

43% Gp

Very bad time

33% g

35% aGm

q

40% AbdEFGHJkMnopQ

32%

31%

31%

28%

31%

35% Gq

33%

32%

34%

30%

33% g

34% Gq

33%

29%

35% Gm

34%

Don’t know VOL

4% BInORS

3% I

3%

4% Is

6% ABchIJNORS

5% Is

5% Is

4% i

2%

4% is

9% ABCDFGHIJMNOQRS

9% ABCDfHIJNORS

5% IorS

3%

3%

7% ABCDHIJNORS

5% bInOr

S

3%

2%



Table q13bb - When do you expect to move next? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African

American

Gen Y Gen X

Boomer

Pre-boome

r

Less Than High

School

High Scho

ol

Some

College

College/gra

d Schoo

l

<$25k

$25-50k

$50-100k

>$100k


Never

39% EfHInOS

44% AEFGHINO

RS

42% EFgHInOS

65% ABCEFGHIJLMNOP

QRS

18% h

34% EH

34% EH

15%

30% EH

48% ABEFGHINOPQRS

76% ABCDEFGHIJLMNOP

QRS

48% AEFGHINOpqr

S

46% AEFGHINOPQRS

36% EHI

32% EH

40% EfgHI

OS

40% EfHIOS

39% EfHIOS

32% EH

Less than 1year

10% BCDJKr

5% k

5%

6% K

19% ABCDFIJKLMNOPQ

RS

8% BK

16% ABCDFIJKLMNoQR

18% ABCDFIJKLMNOpQ

RS

11% BCDJ

K

7% BK

3%

9% bK

10% BCDJ

K

10% BCDJ

K

12% ABCDfJKR

14% ABCDFJKLMNQR

9% BcDK

8% BcdK

12% BCDJ

Kr

1-3 years

16% BCDiJK

8% dK

10% DK

5%

34% ABCDFGIJKL

MNOPQRS

19% BCDIJK

Lm

21% aBCDIJKLMoRS

34% ABCDFGIJKL

MNOPQRS

13% BDJK

8% DK

5%

12% bDjK

14% BDJK

21% ABCDIJKLMO

RS

16% BCDiJ

K

18% BCDiJKlm

19% BCDIJKlM

15% BcDJ

K

14% BDJK

3-5 years

9% DKlP

10% ADFJK

LP

11% DFKLP

6% K

9% dKlp

6% K

9% dK

13% ADEFJKLMoP

Q

9% DKl

8% DK

3%

5%

8% dK

11% aDFJKLP

10% aDfjK

LP

6% K

8% dK

11% aDFjKLP

12% ADFJKLmP

5+years

16% DEFgKLMP

24% ADEFGHJKLMNPQR

25% ADEFGHJKLMNPQR

11% K

9%

12% K

12% K

14% EKlP

23% ADEFGHKLMNP

Q

19% ADEFGHKLMNP

Q

7%

8%

12% EK

15% DEKLP

24% ADEFGHJKLMNPQR

9%

14% EKLp

19% ADEFGHKLMNP

Q

22% ADEFGHjKLMNPQ

Don`'t know

9% KnO

9% O

7%

8%

11% cdHKN

ORs

21% ABCDEGHIJKMNOP

QRS

9%

7%

14% ABCDGHKMNO

RS

11% bcDhKNORS

7%

18% ABCDEGHJKMNOPQ

RS

9% ko

7%

7%

12% ABCDHKmNO

RS

10% kO

8%

7%


Table q14 - How likely is it that you will buy a home in the next 3 years? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African Americ

an

Gen Y Gen X Boomer

Pre-boomer


High School

Some

College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


Very likely

13% BDJKP

11% DKp

11% DK

6% K

20% ABCDJKlMNOP

QR

17% aBcDJK

mnP

17% ABCDJKMNPr

20% ABCDJKlMNOP

QR

18% ABCDJKMNo

PqR

10% DK

2%

14% DKP

12% DKP

12% DKP

15% ABDJ

KP

8% K

13% DKP

13% DKP

20% ABCDJKlMNO

PQR

Somewhat likely

15% BDJKO

12% DK

11% K

8% K

23% ABCDIJKLMNOPQRS

22% ABCDIJKLMNO

QRS

24% ABCDIJKLMNOPQRS

24% ABCDIJKLMNOPQRS

14% DK

13% DK

5%

13% dK

16% BDjK

16% BcDJK

13% BDK

18% aBCDJKlOr

16% BcDjK

14% bDK

14% DK

Not very likely

16% CK

16% CK

11%

14% k

17% CgK

16% ck

13%

18% CgK

18% CgK

15% ck

11%

15%

15% k

15% ck

18% ABCDGJK

15%

15% k

17% CK

18% CgK

Not at all likely

55% EFGHIOS

60% AEFGHInOQRS

65% AbEFGHIMNOQRS

71% ABcEFGHIJLMNOPQRS

39%

44%

43%

38%

50% EfgH

60% AEFGHImnOQRS

81% ABCDEFGHIJLMNO

PQRS

58% EFGHiS

55% EFGHiS

56% EFGHIS

53% EFGHS

58% EFGHIo

S

54% EFGH

55% EFGHIS

48% EH

Don’t know VOL

1% s

1% OS

2% diopS

1%

1%

1%

3% ADehIKnOPrS

1%

1%

2% ADnO

PrS

1%

1%

2% dPs

1%

1%

1%

1%

1%

.%

Statistics: Overlap formulae used - Column Proportions: Columns Tested (5%): A/B/C/D/E/F/G/H/I/J/K/L/M/N/O/P/Q/R/S, (10%): a/b/c/d/e/f/g/h/i/j/k/l/m/n/o/p/q/r/s Minimum Base: 30 (**), Small Base: 100 (*)


Cell Contents: - Column Percentage - Statistical Test Results


Table q15 - During the next 12 months, do you think home prices in general will go up, go down, or stay the same as where they are now? G


GP

Mortgage

Underwater

Owner

Rente

r

Hispanic

African America

n

Gen Y

Gen X Boomer

Pre-boomer


High

School

Some College

College/grad School

<$25k $25-

50k

$50-100k

>$100k


Prices will go up

39% I

39% I

36%

43% aI

MQr

38% i

43% cImQ

47% ABCEHIjMNpQR

38%

32%

41% Imq

45% ABCEHIM

NQR

39%

37%

39% I

42% ABchImQR

41% I

36%

38% I

42%

bcImq

Prices will go down

12% F

12% F

11%

12% F

11% f

7%

10%

12% F

12% F

11% F

11% f

11% f

11% f

12% F

11% F

9%

12% F

13% F

12% F

Prices will remain about the same

44% DgK

44% dgK

48% DGKLp

39% k

45%

DGKlp

45% dKl

38%

46%

DGKlp

50% ABDGJKLNOPrS

42% K

34%

37%

46%

DGKlP

44% dK

44% DgK

40% K

48%

DGjKLp

45% DgK

43% K

Don’t know VOL

6% OS

5% OS

6% OS

7% HORS

6% OS

6% OS

5%

4%

5% OS

6% OS

9% ABEfGHIJMNOQRS

12% ABCdEFGHIJ

MNOQRS

6% OS

5% OS

3%

9% ABEfGHIJMNOqRS

5% Os

4% O

3%



Table q16 - By about what percent do you think home prices in general will go down on the average over the next 12 months? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African

American

Gen Y

Gen X Boomer

Pre-boome

r

Less Tha

n High

School

High School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


1 2%

2% *

4% **

1% *

2% *

5% **

0% **

1% *

2% *

1% *

8% ADhjMnOq*

7% **

0% *

1% *

1%

7% AdHJMo*

0% *

2% *

1% *

2 3%

6% A*

15% **

1% *

1% *

3% **

5% **

3% *

5% e*

3% *

3% *

0% **

6% *

2% *

4%

3% *

2% *

5% *

2% *

3 9% Dk

9% d*

0% **

2% *

13% Djk*

5% **

8% **

14% Dk*

13% Djk*

5% *

2% *

0% **

6% *

13% DJK

*

11% aDJK

7% *

7% *

13% DJK*

10% Dk*

4 1% O

1% *

0% **

3% jo*

0% *

0% **

0% **

2% *

2% o*

0% *

0% *

0% **

2% *

1% *

0%

0% *

2% *

0% *

3% jO*

5 18%

22% hm*

18% **

15% *

14% *

19% **

17% **

12% *

27% AeHkMpr*

20% m*

12% *

21% **

9% *

17% *

23% Ahm

12% *

20% *

15% *

27% adHkMp*

6 1%

1% *

1% **

3% *

0% *

0% **

0% **

0% *

0% *

1% *

4% aemr*

5% **

0% *

.% *

1%

0% *

0% *

0% *

1% *

7 3%

2% *

0% **

3% *

3% *

0% **

12% **

4% *

0% *

4% *

1% *

0% **

4% *

4% *

2%

6% i*

1% *

3% *

2% *

8 2%

1% *

0% **

4% j*

2% *

0% **

7% **

2% *

1% *

1% *

5% b*

0% **

5% b*

1% *

2%

6% aBjn*

2% *

1% *

1% *

9 .%

0% *

0% **

0% *

1% *

0% **

0% **

0% *

2% b*

0% *

0% *

0% **

0% *

1% *

0%

0% *

0% *

0% *

0% *

10 20%

17% *

14% **

24% p*

21% *

30% **

22% **

14% *

22% *

23% p*

25% p*

28% **

17% *

16% *

23% bp

11% *

21% *

21% *

18% *

12 1%

1% *

0% **

4% aJ*

0% *

0% **

0% **

2% *

1% *

0% *

1% *

0% **

0% *

2% *

2% j

0% *

0% *

.% *

1% *

13 1%

1% *

0% **

0% *

0% *

2% **

0% **

1% *

0% *

.% *

0% *

0% **

1% *

0% *

1%

0% *

0% *

1% *

1% *

14 .%

.% *

0% **

0% *

0% *

0% **

0% **

0% *

0% *

1% *

0% *

0% **

0% *

1% *

0%

1% *

0% *

0% *

0% *

15 7%

11% AIN*

20% **

4% *

4% *

3% **

10% **

7% *

2% *

9% N*

7% *

8% **

6% *

3% *

9% aI

7% *

8% *

7% *

8% *

20 10%

7% *

5% **

14% *

11% *

24% **

10% **

12% *

9% *

9% *

13% *

3% **

16% b*

12% *

8%

12% *

14% *

9% *

10% *



age Underwater

Owner

Renter

Hispanic

African

American

Gen Y

Gen X Boomer

Pre-boome

r

Less Tha

n High

School

High School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


25 3%

3% *

0% **

4% *

2% *

2% **

6% **

2% *

3% *

4% *

0% *

0% **

0% *

6% ak*

2%

1% *

1% *

3% *

6% mo*

30 3% Jn

2% *

1% **

1% *

5% jn*

.% **

3% **

7% JNo*

2% *

0% *

2% *

0% **

10% ABDJNo

pqs*

0% *

2% j

2% *

0% *

7% aBdJNO*

1% *

Don’t Know VOL

17%

IOs

15% o*

22% **

18% o*

20% io*

5% **

0% **

19% o*

8% *

21% iOS*

18% *

27% **

18% *

19% i*

10%

25% IOs*

22%

IO*

13% *

9% *

Mean 10.25

9.45

9.19

11.12

10.64

11.12

10.68

11.48

8.57

10.26

10.09

8.43

12.60

10.10

9.43

10.01

10.16

10.90

9.96

Standard Deviation

7.14

6.90

6.56

6.57

7.80

6.84

7.23

8.42

6.65

6.24

6.53

4.70

8.66

7.23

6.41

7.29

6.14

8.40

7.05



Table q17 - By about what percent do you think home prices in general will go up on the average over the next 12 months? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African America

n

Gen Y

Gen X

Boomer

Pre-

boome

r

Less Than High

School

High School

Some Colleg

e

College/gra

d Schoo

l

<$25k

$25-

50k

$50-100k

>$100k


1 4% D

6% ADEGJkMO

p

8% aDEGJklMOp

*

1%

2%

4% *

1% *

5% de

4% d

3%

3%

1% *

2%

7% ADEGJKmOP

q

3%

3%

3%

4% d

5% DegjO

2 7% L

8% L

9% L*

6% l

8% L

6% l*

6% l*

9% L

8% L

6% l

5%

1% *

7% l

7% l

9% AdJKL

6% L

6% l

8% l

10% L

3 8%

12% AdEGklMP

10% *

7%

5%

10% *

5% *

8%

8%

9%

7%

4% *

6%

8%

12% ADEGjKlMP

6%

9%

9%

11% e

4 3%

3% m

3% *

3%

3%

2% *

7% Adefhik

MP*

3%

2%

3% m

3%

3% *

1%

4%

3%

2%

4% m

3%

3%

5 23% EFLP

25% EFgLP

23% FlP*

26% EFgLP

17% fp

10% *

17% *

21% FlP

23% FLP

24%

eFLP

24%

eFLP

10% *

21% FlP

25% EFgLP

27% AEFG

LP

11%

22% FLP

31% ABEFGHiJkLM

Pq

29% AEFGL

P

6 2% o

2%

2% *

2%

2%

.% *

2% *

2%

1%

2%

2%

0% *

3% f

2%

1%

3% Fl

1%

1%

2%

7 1% m

2% m

1% *

1% m

1%

2% m*

1% *

2%

1%

1%

2% m

3% m*

.%

2%

2% jm

2% M

1%

2% m

1%

8 1% mp

1%

1% *

1%

3% gMP

1% *

.% *

2% p

1%

1%

2% MP

2% p*

0%

2% mP

2% Bmp

0%

2% m

2% m

3% BMP

9 .%

.%

.% *

0%

0%

0% *

0% *

0%

0%

.%

0%

0% *

0%

0%

.%

0%

0%

0%

.%

10 19% N

22% AHN

26% egHN*

18%

16%

24% eHN*

16% *

15%

21% N

22% ahN

19% n

23% *

22% n

14%

21% hn

19%

20% n

21% N

18%

11 .%

.%

1% *

.%

0%

.% *

0% *

0%

0%

.%

.%

0% *

0%

.%

.%

0%

0%

.%

.%

12 .%

.%

1% *

1% akmr

0%

0% *

0% *

1%

0%

.%

.%

0% *

0%

.%

1% ABeiR

.%

0%

0%

2% ABeir

15 4% IO

4% I

2% *

4% i

5% I

3% *

9% ABCdfIjn

OQR*

4%

1%

5% Io

5% I

6% i*

5% I

4% i

3% i

7% abcfI

Or

3%

3%

5% Io



gage Underwater

Owner

Renter

Hispanic

African America

n

Gen Y

Gen X

Boomer

Pre-

boome

r

Less Than High

School

High School

Some Colleg

e

College/gra

d Schoo

l

<$25k

$25-

50k

$50-100k

>$100k


17 1% BJO

0%

0% *

0%

2% aBJnOPr

0% *

4% ABcDFIJKlNOPQ

R*

2% aBdjnOp

r

0%

0%

0%

0% *

2% ABDiJKnOP

qR

0%

0%

0%

0%

0%

3% ABDfIJKNOpq

R

20 5% OrS

4%

7% orS*

6% OrS

7% os

9% bhOR

S*

9% bhORS*

4%

8% BORS

5% OS

6% os

7% *

7% orS

6%

3%

9% ABHjORS

8% bOr

S

3%

2%

22 .%

.%

1% *

0%

0%

0% *

0% *

0%

0%

.%

0%

0% *

0%

0%

0%

0%

0%

0%

.%

25 2% BORS

.%

0% *

3% BkORS

5% ABcJKNORS

3% BOrS*

2% Bs*

4% BcORS

3% BcORS

2% BoS

1%

5% BcjkORS

*

4% BcjKO

RS

1% b

1% s

4% BcjknORS

4% BcknOR

S

.%

0%

30 2%

1%

3% jnR*

1%

2%

2% *

1% *

3%

2%

1%

1%

5% AbDJkmNoqR*

1%

1%

1%

3% aDJm

Nr

1%

.%

2%

Don’t Know VOL

16% BCORS

9% CS

3% *

19% BCORS

23% ABCHiJnOR

S

24% ABChiJnORS

*

19% BCOrS*

15% BCo

S

16% BCOS

15% BCOS

20% BCORS

28% ABCHIJmnOqR

S*

17% BCOS

16% BCoS

10% CS

23% ABCHiJnOR

S

17% BCO

S

12% CS

5%

Mean

8.24

7.12

8.01

8.46

9.99

9.50

9.81

8.50

8.29

8.02

8.24

11.96

9.39

7.21

7.01

10.73

8.68

6.69

7.13

Standard Deviation

6.44

5.54

6.62

6.25

7.58

7.21

6.82

7.23

6.84

5.83

5.96

8.04

6.83

5.83

5.32

7.85

6.80

4.64

5.53



Table q18 - During the next 12 months, do you think home rental prices in general will go up, go down, or stay the same as where they are now?


GP Mortgage

Underwater

Owner Renter

Hispanic

African American

Gen Y

Gen X Boomer

Pre-boomer

Less

Than High

School

High School

Some College

College/grad School

<$25k

$25-50k

$50-100k

>$100k


Prices will go up

48% Bi

44%

44%

50% b

52% aBcIMrs

52% Bcim

56% ABCdhIJKMOPqRS

50% b

45%

49% B

47%

50%

45%

51%

BcI

48% B

49% b

50% b

47%

46%

Prices will go down

4% D

3%

3%

2%

5% abDfhMRs

3%

7% ABcDFHIk

MORS

3%

3%

4% BD

mRs

3%

6% bDf

r

3%

4% d

4% d

5% Dfmr

5% bDfMr

3%

3%

Prices will remain about the same

44% G

48% ADEGJKLNOP

49% dEGjkLnop

41%

40%

44% g

35%

45% G

48% aDEGjkLNOp

42% G

41%

38%

49% ADEGJKLNoPq

42% g

43% G

42% g

43% G

45% G

46% G

Don’t know VOL

4% EfGHQ

5% EFGHQ

4% eq

7% AbEFGHiJMNOPQ

2%

2%

2%

2%

5% EfGhQ

5% EfGhQ

8% ABcEFGHIJMNOPQrs

5% EFghQ

3%

3% eq

5% AEFGH

Q

4% Eghq

2%

5% EFGHmnQ

5% EfGHQ



Table q19 - By about what percent do you think home rental prices in general will go down on the average over the next 12 months? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High Scho

ol

High Scho

ol

Some Colle

ge

College/grad

School

<$25k

$25-50k

$50-

100k

>$100k


1 9% O*

8% **

0% **

0% **

14% **

0% **

33% **

24% **

0% **

0% **

15% **

10% **

0% **

25% **

0% *

9% **

13% **

13% **

0% **

2 9% O*

7% **

0% **

12% **

10% **

32% **

7% **

0% **

22% **

7% **

19% **

21% **

8% **

7% **

2% *

18% **

6% **

9% **

0% **

3 5% *

0% **

0% **

0% **

11% **

0% **

0% **

7% **

8% **

5% **

0% **

0% **

0% **

11% **

7% *

0% **

15% **

0% **

0% **

5 17% *

17% **

12% **

27% **

14% **

23% **

8% **

13% **

45% **

12% **

13% **

9% **

11% **

14% **

32% A*

23% **

8% **

18% **

26% **

6 1% *

3% **

0% **

0% **

0% **

0% **

2% **

0% **

0% **

3% **

0% **

0% **

0% **

0% **

4% A*

0% **

0% **

0% **

9% **

7 6% O*

15% **

59% **

5% **

0% **

0% **

0% **

0% **

0% **

14% **

4% **

24% **

3% **

0% **

0% *

2% **

17% **

0% **

0% **

8 4% O*

0% **

0% **

0% **

8% **

0% **

17% **

12% **

0% **

0% **

0% **

0% **

0% **

13% **

0% *

14% **

0% **

0% **

0% **

10 27% *

33% **

7% **

35% **

17% **

41% **

5% **

37% **

20% **

24% **

21% **

8% **

45% **

17% **

40% A*

18% **

24% **

40% **

45% **

15 9% *

8% **

0% **

4% **

13% **

0% **

19% **

8% **

2% **

13% **

10% **

13% **

10% **

8% **

5% *

15% **

7% **

9% **

10% **

20 1% *

1% **

0% **

4% **

0% **

3% **

0% **

0% **

0% **

2% **

0% **

0% **

0% **

0% **

3% a*

0% **

0% **

0% **

5% **

Don’t Know VOL

12% *

9% **

22% **

12% **

14% **

2% **

8% **

0% **

4% **

21% **

18% **

14% **

23% **

5% **

8% *

1% **

11% **

11% **

6% **

Mean 7.15

7.60

6.98

7.87

6.45

6.51

6.23

6.90

5.38

8.56

6.20

6.34

9.01

5.64

8.00

6.94

6.33

7.37

9.29


GP OWNER STATUS RACE GENERATION EDUCATION INCOME GP Mortga

ge Underwa

ter Own

er Rent

er Hispa

nic African Americ

an

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High Scho

ol

High Scho

ol

Some Colle

ge

College/grad

School

<$25k

$25-50k

$50-

100k

>$100k


Standard Deviation

4.40

3.98

1.29

4.55

4.81

4.37

5.45

4.37

3.13

4.44

4.94

4.74

3.65

4.45

3.94

4.58

4.18

4.49

4.11



Table q20 - By about what percent do you think home rental prices in general will go up on the average over the next 12 months? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Rente

r

Hispanic African Americ

an

Gen Y

Gen X

Boomer

Pre-boomer


High

School

Some College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


1 1%

1% s

1% *

2%

2%

3% aHnS

2%

1%

2% S

2% s

1%

1% *

2%

1%

1% S

2%

2%

2%

.%

2 7% DjkS

8% dS

8% S*

4%

9% DjkS

8% dS

12% aDJKO

S

9% DkS

11%

aDJKOS

6% s

4%

6% *

8% DkS

8% DkS

7% dS

9% DkS

9% DkS

9% DJKoS

3%

3 6% eFP

8% aEFI

P

5% P*

7% FP

4% P

2%

8% efP

5% P

4% P

7% eFP

9% EFilm

P

3% *

5% P

7% fP

9% AEFhIP

1%

9% EFiP

9% EFIP

8% eFP

4 2%

2%

1% *

2%

3%

4% L

3%

2%

2%

2%

4% jlp

.% *

3%

2%

3% bJ

1%

3%

3%

3%

5 23% fGKLP

24% FGKL

P

22% L*

24%

fGKLP

20% Lp

17% L

14%

25% fGkLP

24%

fGkLP

23% fGLP

17% L

8% *

27% FGKLPQ

20% L

29% ABEFGJKLNPQ

15% l

19% L

27% aeFGKLNP

q

31% ABcdEFGiJKLNPQ

6 1%

1%

.% *

.%

1%

1%

1%

.%

1% m

1%

1% m

0% *

0%

1%

1%

.%

1%

.%

1%

7 1%

2% n

3% np*

2%

1%

2%

1%

1%

1%

2% Np

1%

3% *

1%

1%

2%

1%

1%

2%

3% n

8 1% q

1%

1% *

2% q

1%

2% Q

1%

1%

1% q

2% aQ

1%

3% q*

1%

1%

1% q

3% hkm

Q

.%

1%

1%

9 .%

.%

1% *

0%

.%

.%

1% d

1%

0%

.%

.%

1% *

.%

.%

.%

1%

1%

.%

0%

10 25%

24%

23% *

26%

24%

21%

21%

27%

22%

24%

26%

25% *

23%

27%

24%

28% f

22%

23%

26%

12 .%

.%

0% *

1% a

0%

.%

.%

.%

0%

.%

.%

0% *

0%

.%

1% AB

.%

0%

.%

1% b

13 .%

.%

0% *

0%

0%

0%

0%

.%

0%

0%

0%

0% *

0%

0%

.%

0%

0%

0%

.%

15 4% d

5%

7% d*

3%

5%

3%

4%

3%

4%

5% d

5% d

3% *

4%

5%

5% D

4%

5%

5%

3%

16 .%

0%

0% *

0%

.%

0%

0%

.%

0%

0%

0%

0% *

0%

.%

0%

.%

0%

0%

0%

17 .%

.%

0% *

0%

0%

0%

0%

0%

0%

.%

0%

0% *

0%

0%

.% a

0%

0%

0%

.%



gage Underwater

Owner

Rente

r


an

Gen Y

Gen X

Boomer

Pre-boomer


High

School

Some College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


18 .%

.%

0% *

0%

0%

0%

1%

.%

0%

.%

0%

0% *

0%

.%

.%

.%

0%

0%

.%

20 6% s

6%

7% *

7% s

6%

8% s

5%

6%

7% s

6%

5%

9% *

5%

6%

5%

9% AbejMoR

S

6%

4%

3%

25 4% O

4% O

6% O*

4% O

5% O

4%

9% ABdefHJnOp

R

4% o

6% O

4% O

5% O

5% *

7% Or

4% O

2%

4% O

5% O

3% o

5% O

30 2% dOR

2% OR

5% ABDijOR*

1% r

3% OR

2% OR

2% OR

2% OR

2% OR

2% OR

2% OR

4% dOR*

3% dOR

2% OR

.%

2% oR

4% aDOR

0%

3% dOR

Don’t Know VOL

14%

BOS

12% OS

11% *

16% OS

15% OS

23% ABCdEHIJMNOQRS

16% OS

12% s

12% s

14% OS

18% aBciMOR

S

30% ABCDEGHIJKMNOPQRS*

12%

14% oS

9%

18% aBhiMOr

S

15% OS

12%

7%

Mean

9.27

8.97

10.73

9.15

9.77

9.55

9.92

9.14

9.25

9.26

9.61

11.57

9.42

9.50

7.92

10.49

9.73

7.74

9.25

Standard Deviation

6.91

6.76

8.02

6.42

7.42

7.32

7.92

6.83

7.24

6.81

6.97

7.82

7.50

6.99

5.36

7.08

7.80

5.62

6.90



Table q20b - During the next 12 months, do you think home mortgage interest rates will go up, go down, or stay the same as where they are now?


GP Mortgage

Underwater

Owner

Renter Hispanic

African Americ

an

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/grad

School

<$25k $25-

50k

$50-100k

>$100k


Rates will go up

40%

OR

39% o

37%

42% kOR

42% OR

44% bOR

45% bckOqR

42% OR

41% Or

40% Or

38%

44% or

42% or

42%

OR

36%

47% ABCdeiJKmnOQR

38%

36%

41% O

Rates will go down

8% D

9% aDJO

s

12% aDFJn

OS

6%

8%

7%

12% ADEFJkmNOqr

S

9%

9%

7%

8% d

8%

8%

8%

7%

9% d

8%

8% d

7%

Rates will remain about the same

45%

EgLP

49% AEfGHILN

P

50% EGHL

nP

46%

EgLP

39% P

43% P

40% p

41% P

44% lP

48% AEfGHLNP

47%

EgLP

37%

45% eP

43% P

52% ABDEFGHIJKLMN

P

34%

48% EGHLn

P

50% AEFGHILmNP

49% aEfGHLN

P

Don’t know VOL

6% BC

GJOS

3% c

1%

6% BCgS

11% ABCDFGIJkMNOQRS

7% BCg

S

3%

8% BCGJOrS

6% BCgoS

5% BCS

7% BCGOS

11% ABCDFGIJMOQRS

5% bCS

7% BC

GJOS

5% BCS

10% ABCDfGIJMnOQRS

6% bCS

5% BCS

2%



Table q20c - By about what percent do you think home mortgage interest rates will go down on the average over the next 12 months? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High Scho

ol

High Scho

ol

Some

College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


1 34%

41% a*

53% **

27% *

28% **

35% **

13% **

25% **

39% *

41% *

31% **

8% **

41% **

38% *

35% *

38% **

25% **

45% ad*

19% **

2 20% JO

23% JO*

21% **

22% jo*

15% **

5% **

23% **

30% **

16% *

10% *

28% **

27% **

26% **

21% j*

12% *

11% **

21% **

17% *

35% **

3 7% nr

5% *

7% **

11% NR*

8% **

1% **

16% **

.% **

3% *

15% ABiNO

R*

8% **

17% **

5% **

2% *

7% r*

8% **

11% **

1% *

2% **

4 2%

1% *

0% **

2% *

2% **

2% **

2% **

1% **

0% *

0% *

8% **

0% **

1% **

0% *

2% j*

2% **

1% **

0% *

6% **

5 7%

6% *

5% **

12% *

8% **

15% **

6% **

5% **

8% *

6% *

14% **

10% **

1% **

7% *

11% AB*

9% **

7% **

8% *

4% **

9 1% o

0% *

0% **

0% *

0% **

0% **

0% **

2% **

0% *

0% *

0% **

5% **

0% **

0% *

0% *

3% **

0% **

0% *

0% **

10 6%

6% *

5% **

8% *

7% **

6% **

7% **

6% **

7% *

9% *

1% **

6% **

7% **

5% *

8% *

6% **

3% **

6% *

13% **

12 1%

1% *

0% **

4% aJnr

*

0% **

0% **

4% **

0% **

5% AbjnR*

0% *

0% **

5% **

0% **

0% *

1% *

3% **

2% **

0% *

0% **

13 .%

1% *

0% **

0% *

0% **

0% **

0% **

1% **

0% *

0% *

0% **

0% **

0% **

0% *

1% A*

0% **

0% **

0% *

2% **

15 2%

2% *

3% **

4% *

3% **

5% **

8% **

2% **

4% *

3% *

2% **

0% **

1% **

4% *

4% Ab*

3% **

3% **

3% *

2% **

20 .%

0% *

0% **

1% *

0% **

0% **

1% **

0% **

.% *

.% *

0% **

1% **

0% **

0% *

.% *

1% **

0% **

0% *

0% **

Don’t Know VOL

19% d

15% *

6% **

10% *

29% **

31% **

22% **

28% **

17% *

16% *

9% **

21% **

17% **

23% d*

18% *

16% **

27% **

19% *

19% **

Mean 3.28

2.81

2.53

4.08

3.51

3.82

4.89

3.17

3.96

3.25

2.77

4.41

2.45

2.99

4.05

3.95

3.21

2.82

3.86



age Underw

ater Own

er Rent

er Hispa

nic African Americ

an

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High Scho

ol

High Scho

ol

Some

College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


Standard Deviation

3.62

3.23

3.16

4.16

3.73

4.13

4.77

3.45

4.53

3.70

2.48

3.87

2.81

3.69

4.30

4.37

3.44

3.42

3.78



Table q20d - By about what percent do you think home mortgage interest rates will go up on the average over the next 12 months? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwate

r

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X Boome

r

Pre-boomer

Less Than High

School

High School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


1 18% EFGLPq

26% ADEFGHIJKLMNPQr

24% dEFGLmNPQ*

15%

eFgLP

9% l

7%

8% *

16% EFgLP

20% EFGLP

q

19%

EFGLnP

q

17% EFGL

P

3% *

16% EFgL

P

15% eFgLP

33% ABcDEFGHIJKL

MNPQR

8%

12% L

21% dEFGLNPQ

33% ABcDEFGHIJKL

MNPQR

2 21% EgHLP

26% AcEFGHkLP

19% lP*

21%

ehLP

13%

17% lp

14% *

14%

30% ACDEFGHjKLMOPQ

22% EGHLP

19% LP

9% *

20% ehL

P

24% EfGHLP

24% AEfGHL

P

10%

20% LP

27% AcEFGHkLmP

29% AcdEFGHjKLmo

Pq

3 9% FS

9% FS

8% *

10% Fs

9% F

4%

9% *

10% Fs

8% f

7%

13% aFjLOS

5% *

11% FS

11% FJS

8% fs

9% F

11% Fs

10% Fs

5%

4 3% i

4% I

5% i*

2%

4% i

2%

4% *

3%

1%

4% Di

2%

2% *

2%

3%

5% ADI

2%

2%

4% i

5% DI

5 15% BjOS

11%

11% *

20%

ABciJkORS

17% bOS

27% ABCEGhIJKMNO

PqRS

13% *

19% BjOrS

14% s

12%

15%

19% os*

16% bos

17% BJOS

10%

17% BjOS

19% BjOS

13%

9%

6 1%

1%

0% *

1%

1%

0%

1% p*

1%

1%

.%

1%

0% *

.%

1%

1% ajpr

.%

1%

.%

1%

7 1%

.%

1% *

2% AbEhimOR

0%

1%

.% *

.%

0%

1%

2% Er

1% *

.%

1%

.%

1% e

1%

.%

1%

8 1% d

Or

1% ioRs

3% AbDfHIMNORS*

0%

1% h

1%

2% DHimnoRs*

.%

0%

1% DnoRs

3% ADHIMNORS

4% AbDfHIMNOpR

S*

.%

.%

.%

1%

2% Dhimnr

0%

0%



ge Underwate

r

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X Boome

r

Pre-boomer

Less Than High

School

High School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


9 .%

0%

0% *

0%

1%

0%

1% ABhmn

or*

0%

0%

1% bo

0%

1% *

0%

0%

0%

1%

0%

0%

0%

10 9% BcOS

4%

3% *

8% BOs

15% ABCdIJkmNOQRS

11% BCOS

18% ABCDhIJKMNOQRS*

11% BCOS

7% B

7% Bos

8% Bos

15% BCijOqS

*

9% Bco

S

8% Bcs

5%

15% ABCDIJKMNOQRS

7%

8% BcOs

4%

11 .%

.%

0% *

0%

.%

0%

0% *

0%

0%

.%

1%

0% *

.%

.%

0%

1%

0%

0%

0%

12 1% Bjo

0%

0% *

1% ABJOqs

1%

0%

2% ABeiJO

qs*

1% Bjo

0%

0%

.%

0% *

1%

1% BJ

.%

1%

0%

1% BiJO

0%

13 .%

0%

0% *

0%

.%

0%

0% *

.%

0%

0%

0%

0% *

0%

0%

1% ABJ

0%

0%

1% b

0%

15 1%

1%

2% *

1%

2%

2%

1% *

1%

1%

1%

1%

0% *

2%

2%

1%

2%

1%

1%

1%

17 .%

0%

0% *

0%

0%

0%

.% *

.%

0%

0%

0%

0% *

0%

.%

0%

.%

0%

0%

0%

20 4% BkNOrs

2%

1% *

2%

7% ABCDFIKNOQRS

2%

6% BcdKNOrs*

5% BckNOrs

2%

4% BcdkN

ORs

1%

7% BcdfKNO

qrs*

6% BcDKNOqRS

1%

2%

8% ABCDFIjKNOQRS

2%

2%

2%

21 .%

.%

0% *

0%

0%

0%

0% *

0%

1% ao

0%

0%

0% *

0%

.%

0%

0%

0%

.%

0%

22 .%

.% o

0% *

0%

0%

1%

0% *

0%

1% AnOr

0%

0%

0% *

1%

0%

0%

0%

1%

0%

0%

23 .%

.%

0% *

0%

0%

0%

0% *

0%

0%

0%

1%

0% *

.%

0%

0%

0%

0%

0%

0%

25 1%

1%

1% *

1%

1%

.%

2% aHNs*

.%

.%

1% n

1% n

0% *

1%

.%

1% ahnS

1%

1%

1%

0%



ge Underwate

r

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X Boome

r

Pre-boomer

Less Than High

School

High School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Don’t Know VOL

16% BORS

13% O

23% aBImNORS

*

15% O

20% bnOR

S

25% ABDhIjkMNORS

16% o*

16% O

14% o

17%

bORS

15% O

34% ABDEGHIJKMNOpQRS*

14%

14%

10%

23% ABDhIjKMNO

RS

20% BnORS

11%

11%

Mean

4.87

3.70

3.70

4.69

6.54

5.64

7.08

5.44

4.24

4.79

4.64

7.34

5.57

4.30

3.50

7.38

4.78

4.05

3.06

Standard Deviation

5.03

4.41

4.01

4.50

5.66

4.73

5.93

5.06

4.87

5.23

4.65

5.33

5.86

3.92

4.25

6.10

4.60

4.28

3.45



Table q22 - Do you think it would be very difficult, somewhat difficult, somewhat easy, or very easy for you to get a home mortgage today? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African

American

Gen Y

Gen X

Boome

r

Pre-boome

r

Less Than High

School

High School

Some

College

College/grad

School

<$25k $25-

50k

$50-100k

>$100k


Very difficult

23% BCDiORS

15% OS

18% OS

17% OS

36% ABCDFGHIJK

MNOQRS

27% BCDIO

RS

27% BCDIORS

24% BcDORS

20% BOS

22%

BcDORS

25% BCDiOR

S

38% ABCDFGHIJK

MNOQRS

23% BDORS

28% ABCDIJmORS

11% S

44% ABCDEFGHIJKMNOQRS

25% BCDiORS

17% OS

7%

Somewhat difficult

28%

BDIKOS

26% DKS

32% BDIKOS

20%

36% ABDIJKMNOR

S

41% ABCDIJKlMNOPQR

S

39% ABDIJKMNOPRS

36% ABDIJKMNOR

S

24% k

28% DKOS

19%

34% BDIKOS

29% DiKoS

28% DKS

24% DKS

32% aBDIKO

S

33% AB

DIjKnOr

S

28% DKO

S

21%

Somewhat easy

25%

EFLP

31% ACDEFGHJKLNP

q

24% fLP

25% EFLP

19% lP

17%

23% LP

24% EFLP

28% EFgkLNP

27%

EFLnP

23% fLP

13%

27% EFkLP

23% eFLP

32% ACDEFGHiJKLmNPQ

R

14%

26%

EFLP

28% aEFgKLNP

33% ACDEFGHJKLmN

Pq

Very easy

21%

EFGHLmPQ

28% AEFGHJLMNPQ

26% aEFGHjL

MNPQ

33% ABcEFGHiJKLMNPQ

R

7%

13% EP

11% e

15% EP

27% AEFGHJL

MNPQ

21%

EFGHLmPQ

27% AEFGHJLMNPQ

13% EP

18% EfGPq

19% EFGHlPQ

31% ABEFGHiJLMNPQR

7%

13% EP

26% AEFGHJL

MNPQ

38% ABCdEFGHIJKL

MNOPQR

Don’t know VOL

2% BiJs

1%

1%

5% ABCEFGHIJlmNOPqR

S

2%

2%

1%

2%

1%

1%

6% ABCEF

GHIJLMNOPQR

S

2%

3% BcIJs

1%

2% Bjs

3% BciJ

3% BciJ

2%

1%


Table q22b - Generally speaking, do you think it will become easier or harder for people to get a mortgage in the near future? Will it become...READ CHOICES

G


GP

Mortgage

Underwater

Owner

Rente

r

Hispanic

African American

Gen Y

Gen X

Boomer

Pre-boomer Less

Than

High

School

High

School

Some College

College/grad

School

<$25k

$25-50k $50-100k

>$100k


Much easier

3% J

3%

2%

3%

4% J

5% Jos

9% ABCDEfHIJklMNOPQRS

3%

4%

2%

5% ABcDJNOQR

S

4%

3%

3%

3%

5% AbDJnOrS

3%

3%

2%

Somewhat easier

31% q

32% mq

30%

30%

30%

33% q

31%

33% q

31%

30%

31%

33%

28%

29%

35% ABcDEIJMNQR

32%

27%

32%

37% ABCDEIJkMNQr

Somewhat harder

43% GKP

43% GKP

45% GKp

41% gk

44% GKP

41%

34%

45% GKlP

45% GKlP

43% GKP

37%

37%

43% GKP

44%

GKP

44% GKPs

37%

49% AbDeFGJKLmoPS

44% GKp

41%

Much harder

17% HO

16% hO

19% HOs

18%

HOs

16% O

16% o

19% HOs

13%

16% O

20% ABEHiOqRS

16% O

19%

hO

18%

HO

19%

HOs

12%

20% aeHO

S

16% o

16% O

14%

Don’t know VOL

6% bJ

5%

4%

8% bciJNO

6%

5%

6%

6%

5%

5%

10% ABCdEFGHIJmNOPQRS

7%

7% bcJ

5%

5%

6%

5%

5%

6%



Table q23bmp - What are the major obstacles to your getting a mortgage to purchase or refinance a home? OPEN END WITH PRE-CODES, SELECT UP TO 3


GP Mortgage

Underwater


African Americ

an

Gen Y Gen X

Boomer

Pre-boom

er

Less Than High

School

High School

Some College

College/gra

d Schoo

l

<$25k $25-50k

$50-100k

>$100k


Qualifying/getting approved

37% BDJKORS

32% DkS

34%

DkS

23%

51% ABCDGHIJKMNOqRS

47% ABCDIJKMNO

RS

43% ABCDiJKMORS

46% ABCDIJKMNORS

36% BDKORS

34% DKORS

27% d

52% ABCDgIJKMN

ORS

35% DKoRS

38% BDJKORS

30% Ds

49% ABCDIJKMNOR

S

45% ABCDIJKMNO

RS

29% D

27%

Insufficient income/salary

33% BcDIORS

24% RS

28% RS

28% RS

48% ABCDfGHIJK

MNOQRS

41% ABCDIJKMNO

RS

38% aBCDIj

ORS

37% aBCDIORS

28% bRS

33% BDiO

RS

33% BDOR

S

49% ABCDfGHIJKMNOq

RS

33% BdiORS

34% BcDIORS

25% RS

58% ABCDEFGHIJKLMNOQ

RS

41% ABCDIJKMNO

RS

21% S

14%

Personal debt

24% DKS

25% DKS

22% Dk

15%

28% AcDJKMoRS

25% DKS

36% ABCDEFHIJKLMNOQ

RS

27% DKS

28% AbcDjKMORS

23% DKS

16%

26% DKs

22% DK

26% DKS

24% DKS

31% ABCDfJKMnOR

S

28% acDjKMrS

22% DK

19%

The economy/interest rates

24% KOS

24% KOS

26%

KoS

22% k

24% Ks

34% ABcDEGHiJKMNOP

QRS

24% ks

25% KoS

28% AbDKNOS

24% KOS

18%

30% aDjKNOqS

26% dKOS

22%

21%

25% KoS

23% k

25% KnOS

19%

Affording a down payment

30% DJKp

31% DJK

35%

DJKoP

21%

36% AbDfJKLnOP

30% DK

34% DJKP

40% ABDFiJKLMNOPR

S

34% DJKoP

26% DK

18%

27% dK

33% DJKP

31% DJK

30% DJK

26% DK

34% aDJKl

oP

32% DJKp

31% DJK

Others

8% GhlP

9% GhlP

9% Glp

8% Gp

8% Gp

6% g

3%

6% g

9% Glp

9% GhlP

11% adFGHLmP

Q

5%

8% G

11% AFGHLPQ

8% Ghlp

6% g

7% G

9% GHlP

11% aFGHL

oPq



gage Underwater


African Americ

an

Gen Y Gen X

Boomer

Pre-boom

er

Less Than High

School

High School

Some College

College/gra

d Schoo

l

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S None/no obstacles

19% EFGHLPQ

23% ACEFGHiLMNP

Q

17%

EFHLPQ

32% ABCEFGHIJKLMNOP

QR

6%

10% Ep

13% EhP

9% E

20% EFGHLPQ

23% ACEFGHLMNP

Q

27% AbCEFGHILMNP

Q

10% e

17% EFHLPQ

17% EFHLPQ

26% ABCEFGHIJLMNP

Q

7%

11% Ep

24% ACEFGHiLMNP

Q

32% ABCEFGHIJLMNOP

QR

Don’t know/No response

2% BcJOq

2%

1%

4% ABCIJO

QS

3% cjOq

2%

2% o

3% bcjO

Q

1%

1%

4% ABCIJOQS

2%

3% BCiJOQs

3% bcJOq

1%

3% bcJOq

1%

3% BCIJOQs

1%



Table q24c - Do you own your primary residence? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African

American

Gen Y Gen X

Boomer

Pre-boom

er

Less Than High Scho

ol

High

School

Some College

College/grad

School

<$25k $25-

50k

$50-100k

>$100k


Yes

65% EFGHLPQ

100% AEFGHIJKLMNOPQ

RS

100% AEFGHIJKLMNOPQ

RS

100% AEFGHIJKLMNOPQ

RS

0%

52% EgHP

45% EHp

36% E

72% AEFGHLMNP

Q

79% AEFGHILMNoPQ

R

83% AEFGHIjLMNOPQ

R

52% EHP

62% EFGHLP

62% EFGHLP

76% AEFGHILMNP

Q

38% E

60% EFGHlP

74% AEFGHLMNP

Q

88% AEFGHIJkLMNOPQ

R

No

35% BCDIJKORS

0%

0%

0%

100% ABCDFGHIJKLMNOPQR

S

48% ABCDIJKMNOQ

RS

55% ABCDfIJKMNOQRS

64% ABCDFGIJKLMNOQRS

28% BCDJKOS

21% BCDk

S

17% BCDs

48% ABCDIJKMNOqR

S

38% BCDIJKORS

38% BCDIJKORS

24% BCDj

KS

62% ABCDFgIJKLMNOQR

S

40% ABCDIJKORS

26% BCDJ

KS

12% BCD

Don’t know VOL

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%



Table q24d - Do you have a mortgage on your primary residence or do you own your primary residence outright with no mortgage? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic

African American

Gen Y Gen X Boomer

Pre-boomer

Less Tha

n High

School

High Scho

ol

Some College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k


Have a mortgage

68% DKMPq

100% ADFGHIJKLMNO

PQRS

100% ADFGHIJKLMNO

PQRS

0%

0%

71%

DKlMPQ

65% DKP

82% ADFGJKLMNOPQR

90% ADFGHJKLMNO

PQRS

67% DKMP

38% D

62% DKP

*

60% DKP

69% DKMPq

74% ADGJKLMNPQ

46% DK

63% DKP

74% ADGJKLMNPQ

80% ADFGJKLMNOPQr

Own home outright

32% BCHIORS

0%

0%

100% ABCFGHIJKLMNO

PQRS

0%

29% BCHIS

35% BCHIORS

18% BCI

10% BC

33% BCHIORS

62% ABCFGHIJLMNO

PQRS

38% BCfHIORS*

40% ABCFHIJNORS

31% BCHIORS

26% BCHI

S

54% ABCFGHIJLMNOQRS

37% aBCFHInORS

26% BCHI

s

20% BCI

Don’t know VOL

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0% *

0%

0%

0%

0%

0%

0%

0%



Table q24e - Do you have a first mortgage on your primary residence? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X Boomer

Pre-boom

er

Less Tha

n High Scho

ol

High Scho

ol

Some Colleg

e

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


Yes 96% Jm

96% Jm

96%

0%

0%

93%

96% *

97%

98% ABFJM

Opq

94%

96%

95% *

93%

98% ABFJM

PQ

96% J

93% *

94%

97% abFJ

M

96% j

No 4% INr

4% INr

4%

0%

0%

7% INR

4% *

3%

2%

6% ABINO

Rs

4%

5% *

7% abIN

R

2%

4% I

7% iN*

6% iN

3%

4%

Don’t know VOL

0%

0%

0%

0%

0%

0%

0% *

0%

0%

0%

0%

0% *

0%

0%

0%

0% *

0%

0%

0%



Table q24f - Do you have a Second mortgage or Home Equity Line of Credit? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High Scho

ol

High Scho

ol

Some Colle

ge

College/grad

School

<$25k

$25-50k

$50-

100k

>$100k


Yes 21% r

21% r

21%

0%

0%

19%

15% *

15%

22%

23% ghR

23%

28% gh*

21%

20%

21% h

18% *

22%

18%

26% ABGHn

OR No 79

% S

79% S

79%

0%

0%

81%

85% jlS*

85% jloS

78%

77%

77%

72% *

79%

80% s

79% S

82% *

78%

82%

abJS

74%

Don’t know VOL

0%

0%

0%

0%

0%

0%

0% *

0%

0%

0%

0%

0% *

0%

0%

0%

0% *

0%

0%

0%



Table q24g - Do you rent your primary residence or do you live with someone else and not pay for housing? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boomer

Less Tha

n High Scho

ol

High Scho

ol

Some

College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


Rent 94% h

0%

0%

0%

100% AFGHIJKLMN

OPQR

95% *

94%

92%

98% h*

97%

99% *

93% *

95%

94%

96% H

95%

95%

95% *

92% **

Live with someone else and don't pay for housing

6% E

0%

0%

0%

0%

5% E*

6% E

8% aEiO

2% E*

3% E

1% E*

7% E*

5% E

6% E

4% E

5% E

5% E

5% E*

8% **

Don’t know VOL

0%

0%

0%

0%

0%

0% *

0%

0%

0% *

0%

0% *

0% *

0%

0%

0%

0%

0%

0% *

0% **



Table q24 - HOMEOWNERSHIP STATUS GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African

American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High Scho

ol

High Scho

ol

Some College

College/gr

ad Scho

ol

<$25k $25-

50k

$50-100k

>$100k


Own your home outright and do not have any debt on it

21% BCEFGHIos

0%

0%

100% ABCEFGHIJKLMNOP

QRS

0%

15% BCEH

I

16% BCEH

I

6% BCE

7% BCE

26% ABCEFGHIlNOPRS

52% ABCEFGHIJLMNOP

QRS

20% BCEHI

25% aBCEFGHInOpRS

19% BCEfHI

20% BCEf

HI

20% BCEFg

HI

22%

BCEFGHI

19% BCEf

HI

18% BCEHI



age Underwater


African

American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High Scho

ol

High Scho

ol

Some College

College/gr

ad Scho

ol

<$25k $25-

50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S Have a mortgage on your home, such as a first mortgage, second mortgage or Home Equity Line of Credit or HELOC

44% DEFGHKLMP

Q

100% ADEFGHIJKL

MNOPQRS

100% ADEFGHIJKL

MNOPQRS

0%

0%

37% DEgH

P

29% DEP

29% DEP

65% ADEFGHJKLMNOP

QR

53% ADEFGHKLMNP

Q

31% DEP

32% DEP

38% DEGHKP

43% DEGHKLPq

57% ADEFGHJKLMNPQ

17% DE

37% DEGHkP

55% ADEFGHKLMNP

Q

70% ADEF

GHiJKLMNOP

QR



age Underwater


African

American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High Scho

ol

High Scho

ol

Some College

College/gr

ad Scho

ol

<$25k $25-

50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S Rent

33% BCDIJKORS

0%

0%

0%

100% ABCDFGHIJKLMNOP

QRS

45% ABCDIJKMNOqRS

52% ABCDIJKMNOQ

RS

59% ABCDFgIJKLMNOQRS

27% BCDJK

OS

20% BCDS

16% BCDS

45% ABCDIJKmNORS

36% BCDIJKOR

S

35% BCDIJKORS

23% BCDj

KS

59% ABCDFgIJKLMNOQRS

38% ABCDIJKORS

24% BCDJ

KS

11% BCD

Live with someone else and don’t pay for housing

2% BCDEIJKOs

0%

0%

0%

0%

3% BCDEIJKO

3% BCDEIJKOr

S

5% ABCDEfIJKMNOQRS

1% BdE

1% BDE

.% b

4% BCDEIJKOs

2% BCDEJK

2% BCDEIJKOs

1% BcDE

k

3% BCDEIJKOrS

2% BCDEiJKo

1% BCDE

K

1% BDE

Don’t know VOL

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%



Table q25 - Is this the first home you’ve owned? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African Americ

an

Gen Y Gen X

Boomer Pre-boomer

Less Than High

School

High School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Yes

46%

JKOS

47%

JKOS

50% JKOS

45%

JKOS

0%

62% ABCDiJKMNORS

65% ABCDIJKMNO

QRS

74% ABCDFgIJKlMNOp

QRS

54% ABDJKNORS

40% KS

29%

62% ABcDJKmNO

RS*

49% JKOS

47%

JKOS

39% KS

65% ABCDIJKMNO

qRS

55% ABDJKNOrS

48% JKOS

32%

No

54% FGHILPQ

53% FGHILPQ

50% FGHl

P

55% FGHILPQ

0%

38% H

35% h

26%

46% fGHP

60% ABCDFGHILMNP

QR

71% ABCDFGHIJLMNO

PQR

38% h*

51% FGHlP

53% FGHILPQ

61% ABCDFGHILMNP

QR

35% h

45% GHp

52% FGHILPq

68% ABCDFGHIJLMNO

PQR

Don’t know VOL

.%

.%

0%

0%

0%

0%

0%

0%

0%

0%

.%

0% *

0%

0%

.%

.%

0%

0%

0%



Table q26a - How long have you owned your current home? NOTE TO INTERVIEWER: IN YEARS G


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African America

n

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some

College

College/gr

ad Scho

ol

<$25k

$25-50k

$50-

100k

>$100k


1 6% JKq

7% JKQ

6%

5%

0%

7% jkq

6%

15% ABCDFGIJKlMNOP

QRS

6%

4%

4%

5% *

6%

5%

8% ADJKnQ

6%

3%

8% JKNQ

8% JKQ

2 4% JKm

5% fJKM

6% fJKM

3% k

0%

2%

3%

11% ABcDFGJKlMnOP

QRS

6% DFJKM

2%

2%

3% *

2%

6% DFJK

M

5% ADfJKM

5% JKm

4%

5% dfJKM

4% Jk

3 6% DJKR

7% aDJKR

7% Jk

4%

0%

7% Jk

8% DJKR

17% ABCDFGIJKlMNOP

RS

8% DJKR

3%

3%

7% j*

6% JK

6% JK

6% DJKR

6% J

12% ABcDfJKMNO

pRS

4%

5% J

4 4% DJnQ

5% ADJNQ

6% DfJN

Q

2%

0%

2%

3%

7% aDFJklNo

Q

4% DQ

3%

3% d

1% *

6% DfJkNQ

3%

4% DJQ

5% DlQ

1%

6% ADfJkNQ

4% Dq

5 7% JKm

7% JKm

6% K

6% K

0%

6% K

14% ABCDFJKLMnOp

QRS

14% ABCDFJKlMOqRS

9% dJKMr

5%

3%

5% *

5%

9% aDJKMr

8% adJK

m

8% jKM

7% K

6% K

8% JKm

6 6% DJKp

7% ADfJKNPR

7% DjKp

2%

0%

4%

4%

8% DfJKNP

10% ABDFGJKMNOP

QR

4% D

2%

5% *

6% DK

4% dk

7% ADJKnPr

3%

5% DK

5% DK

8% aDfJKNP

7 6% DJKM

8% ADJKMN

6% M

4%

0%

9% aDJKMNq

9% DJKMN

9% DJKMn

10% ABcDJKMNQR

4%

4%

13% AbcDJKMNp

Qr*

3%

5%

8% ADJKMN

7% DM

5% m

7% DJkM

7% DJkM

8 5% DO

6% ADfJKO

R

8% ADFJKLOP

R

2%

0%

3%

6% D

6% D

7% aDFjKlO

pR

4% D

3%

2% *

5% D

8% ADFJKlOPR

4% D

3%

6% D

4%

7% aDfJKOr


GP


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African America

n

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some

College

College/gr

ad Scho

ol

<$25k

$25-50k

$50-

100k

>$100k


9 3% D

4% aDkO

5% Dkm

2%

0%

4%

2%

2%

4% D

4% D

2%

7% Dkmp

*

2%

3%

3% d

2%

4% d

3%

4% d

10 7% o

8%

9% hk

7%

0%

6%

7%

4%

10% AbHKn

Or

8% o

5%

7% *

9% hk

7%

7%

9% h

8%

7%

8%

11 3% Dghp

3% aDgHp

4% DgHlpq

1%

0%

2%

.%

1%

4% aDGHlN

PQ

3% Dghp

2%

0% *

3% DghPq

2%

3% DgHp

1%

1%

3% DgHp

4% ADGHlnPq

12 4% H

4% H

5% H

4% H

0%

7% abHM

o

4% H

.%

6% HM

5% Hm

5% Hm

6% H*

2% h

5% Hm

4% H

4% H

5% H

4% H

4% H

13 2% dhK

3% hK

3% K

1% k

0%

3% HKp

3% hK

.%

4% aDHKo

Ps

3% aDhK

p

.%

1% *

2% K

3% hK

2% hK

1%

3% hK

3% hK

2% k

14 2% HO

2% h

3% H

3% abgH

O

0%

3% Ho

1%

0%

2% h

3% aBgH

O

4% bgHO

3% H*

2% H

3% H

1% h

2% H

2% h

2% H

3% bHO

15 4% H

4% H

2% H

4% H

0%

7% ABCdGHINORS

2% H

0%

2% H

5% HO

7% ABCDGHI

NORS

4% H*

5% Hi

3% H

3% H

5% Hi

4% H

3% H

3% H

16 2% kOS

2% OS

1%

2% ks

0%

2% koS

4% abcdIKO

S

1%

1%

3% AbKO

S

1%

2% *

2% s

3% iKOS

1%

2%

2%

3% iKO

S

.%

17 1% O

2% hO

2% h

1%

0%

1%

2% H

0%

1%

2% ADHk

Os

1%

1% *

2% Hk

1%

1%

1% h

1%

2% HkO

1%

18 2% R

2% r

2%

2% R

0%

2%

2%

1%

1%

3% ABhiNOp

R

2%

1% *

3% R

1%

2% R

1%

3% r

1%

2% r


GP


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African America

n

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some

College

College/gr

ad Scho

ol

<$25k

$25-50k

$50-

100k

>$100k


19 1% oq

1%

1%

1% hQ

0%

1%

2% HQ

0%

1% q

2% OQ

1% q

1% *

2% hQ

1% q

1%

1% hq

0%

2% ABHOQ

1%

20 5% BcHI

4% HI

3% h

9% ABCGHIlNOqRS

0%

6% cHI

3% Hi

1%

1%

8% ABCGHINO

RS

9% ABCGHIN

ORS

3% *

7% BCgHIrs

5% HI

5% BHI

6% cHI

5% HI

4% HI

4% HI

21 1% bi

.%

.%

1% abIQr

0%

1%

1% hIq

0%

0%

1% Biq

1% bIq

1% *

1%

.%

1% I

2% ABCHINoQR

.%

.%

1% bI

22 1% CI

1% CI

.%

2% abCIo

0%

2% CI

.%

.%

0%

2% ABCInOr

2% CI

2% ci*

2% cI

1% cI

1% CI

2% CI

1% cI

1% cI

2% CI

23 1% I

1% I

.%

2% ghIM

0%

1% hI

0%

0%

0%

2% ABcghIMo

s

2% hIm

1% *

.%

2% aBcgHIm

r

1% I

1% hIm

1% i

1% i

1%

24 1% i

1% i

.%

1%

0%

.%

.%

0%

0%

1% Ai

1%

0% *

1%

1% i

1% I

0%

.%

1% I

1%

25 2% BchI

1% I

.%

4% ABCFHINOr

S

0%

1% i

2% HI

0%

.%

3% ABCfHINO

s

3% BCHI

3% hI*

2% chI

1% hI

2% BcHI

2% HI

2% hI

2% cHI

2% hI

26 1%

1%

.%

1% q

0%

1%

1%

0%

.%

1% b

1% q

1% *

.%

1% iq

1%

1% h

.%

1% bi

1%

27 1% Bs

.%

1%

2% ABhIo

S

0%

1%

1% bhIS

0%

.%

1% aBiS

1% s

0% *

1%

1%

1% biS

1%

1%

1%

.%

28 1% I

1% I

1% I

1% I

0%

1%

1% i

0%

0%

2% abhIn

Or

2% HInor

2% hI*

2% I

1%

1% I

1%

2% hIn

1% i

1% I

29 .%

.%

0%

1% k

0%

.%

.%

0%

0%

1% aB

0%

0% *

0%

.%

.% B

.%

.%

.%

.%

30 3% BIs

2% I

2% I

5% ABcHImOQR

S

0%

2% I

4% bHIs

1%

.%

4% aBhIS

5% ABcHIlMnOQRS

1% *

3% I

3% bhI

3% BhIS

4% bhIs

2% I

3% bI

1% I


GP


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African America

n

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some

College

College/gr

ad Scho

ol

<$25k

$25-50k

$50-

100k

>$100k


31 .%

.%

0%

1%

0%

.%

0%

0%

0%

.%

1% abiq

0% *

.%

.%

.%

0%

0%

1%

.%

32 .% B

.%

.%

1% ABiR

0%

.%

0%

0%

0%

.%

1% ABcInR

0% *

.%

.%

1% ABIR

1%

1%

.%

.%

33 1% is

.%

1% bIS

1% IopS

0%

.%

1% i

0%

0%

1% biS

1% aBhIOpS

2% ips*

1%

1%

.% is

0%

1% bIs

1% bIs

.%

34 .% B

.%

.%

1% ABJnO

R

0%

1%

1% Bhnr

0%

.%

.%

1% ABhJNOq

R

2% b*

1%

.%

.%

1%

.%

.%

1% B

35 2% BhI

1% I

1% hI

3% ABFgHIJNOS

0%

.%

1%

0%

0%

1% I

6% ABCDFGHIJMNO

PQRS

3% fHI*

2% hI

1% I

1% hI

2% hI

2% hI

2% HI

1% i

36 1% Bj

.%

0%

1% ABcIJn

OS

0%

.%

0%

0%

0%

.%

2% ABCdfgHIJNOpQRS

0% *

1% BciJ

.%

.%

1%

.%

1% Bij

.%

37 .% B

.%

.%

1% ABIJNORS

0%

2% ABchIjNorS

.%

0%

0%

.% b

1% ABcINOR

S

1% b*

1% b

.%

.% Bs

.%

1% ABcIjN

oS

.%

0%

38 .% BjO

.%

1%

1% ABiJnOrS

0%

.%

1% bijs

0%

0%

.%

2% ABfhIJNO

qRS

0% *

1% aBiJors

.%

.%

2% ABfHIJNORS

1%

.%

0%

39 .% bo

0%

0%

.% bjo

0%

0%

1% ABcIJMNOqRS

0%

0%

0%

.% aBjOr

1% Bj*

0%

0%

0%

1% ABJ

mnOr

0%

0%

0%

40 1% BiO

.%

0%

1% ABcfIJ

OrS

0%

.%

.%

0%

0%

.%

2% ABCFgHIJ

nOQRS

0% *

1% bi

1% bi

.%

1%

.%

.%

.%

41 .%

0%

0%

.%

0%

0%

0%

0%

0%

0%

.% b

0% *

0%

0%

.% AB

0%

0%

.% b

0%

42 .% b

0%

0%

.% bj

0%

0%

0%

0%

0%

0%

.% aBj

0% *

0%

.% b

.% b

0%

.%

.%

0%


GP


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African America

n

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some

College

College/gr

ad Scho

ol

<$25k

$25-50k

$50-

100k

>$100k


Don’t Know VOL

1%

1%

0%

1% m

0%

.%

.%

2% cM

.%

.%

1% m

0% *

0%

2% ABCfIJMop

1%

0%

1%

1% cm

1%

Mean

12.18

10.38

10.23

16.53

0

12.02

11.52

5.15

7.89

14.47

18.66

12.68

13.44

12.00

11.32

12.99

12.65

12.11

10.53

Standard Deviation

9.43

8.08

8.15

10.94

0

8.51

9.35

4.24

4.92

8.93

11.53

9.80

9.89

9.13

9.21

10.16

9.73

9.46

8.01



Table q27 - How likely is that you will sell your home in the next three years? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100

k

>$100k


Very likely

8% DK

9% aDJK

R

12% ABDFJKLMOqR

5%

0%

6%

10% DK

11% aDfJKloR

10% DjKr

6%

5%

4% *

7%

9% DjK

8% DK

9% dk

7%

6%

10% aDfJK

or

Somewhat likely

10% DgJ

11% ADGJmp

9%

7%

0%

9%

6%

13% DGjp

12% DGJp

8%

11% Dg

11% *

8%

10% Dj

11% DgJ

7%

8%

12% aDGJmp

12% DGJ

Not very likely

17% DKP

19% aDKlPR

17% P

14%

0%

20% DKL

P

17% P

23% aDKLnPR

16% p

18% DklP

13%

11% *

18% kP

16% P

20% ADIjKL

nPR

11%

21% DKLP

16% p

22% ADIjKLNPR

Not at all likely

64% BHOS

60% h

61%

73% ABCFHIJM

NOQRS

0%

63% h

67% bHoS

53%

62% hs

66% aBcHOS

70% ABCfHINOQrS

73% aBCfHIOqS*

66% BHoS

64% HS

60% hs

72% ABCFHIjmNOQrS

63% h

65% BHO

S

56%

Don’t know VOL

1%

1%

1%

1%

0%

2% s

.%

.%

.%

2% aS

1%

1% *

1%

1%

1%

2%

1%

1%

.%



Table q28cc - Which of the following describes the type of home you currently live in? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African

American

Gen Y Gen X

Boomer

Pre-boomer

Less

Than

High

School

High

School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


One family house detached from any other house

74%

EFGHLP

91% AEFGHIJKLMNOPQRS

88% AEFGHIJKLMNOPQRs


43%

64% EP

59% E

60% E

81% AEFGHLMNPQ

80% AEFGHLMNPQ

81% AEFGHLMNPQ

66% EP

75% EFGHLP

73% EFGHlP

79% AEFGHLmNP

Q

57% E

72% EFGHP

82% AEFGHLMNOP

Q

83% AEFGHLMNOP

Q

One family house attached to one or more houses

8% BDnR

7%

9%

6%

12% ABDHijKMNOR

12% ABDHijKmN

OR

13% ABcDHIJKMNO

Rs

8%

9% bR

9% BDN

R

7%

12%

aBDKNR

8%

7%

8% BDR

11% ABDhKmNo

R

10% bDn

R

6%

9% bdr



ge Underwater


African

American

Gen Y Gen X

Boomer

Pre-boomer

Less

Than

High

School

High

School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S Studio apartment

1% BD

.%

0%

.%

2% ABCDJKMNoQrS

1% BcDm

1% B

1% BcDm

1% B

1% B

.%

2% aBcDJkMn

s

.%

.% b

1% BcDj

S

2% ABCDJKMNs

1% b

1% Bd

.%

One-bedroom apartment

4% BCDIJoS

.%

.%

.%

12% ABCDFGHIJKLM

NOPQRS

4% BCDi

7% ABCDfIJMOQRS

6% ABCDIJMOq

RS

2% BCD

3% BCD

5% BCDI

rS

5% BCDIs

3% BCD

5% BCDIJRS

3% BCDI

S

8% ABCDFIJKMnOQRS

3% BCD

3% BCD

2% BCD

Two-bedroom apartment

7% BCDIJKORS

1%

1%

.%

18% ABCDFGHIJKLM

NOPQRS

10% ABCDIJKORS

12% ABCDIJKLMORS

14% ABCDIJKLMNOQRS

4% BCD

3% BCD

3% BD

6% BCDjks

7% BCDiJKoRS

9% ABCDIJKORS

4% BCDs

12% ABCDIJKLMORS

9% aBCDIJKORS

4% BCD

3% BD

Three or more-bedroom apartment

4% BCDIJKOS

.%

1%

.%

11% ABCDfGIJKlMNO

PQRS

8% ABCDIJKmNOQRS

6% BCDIJKOS

9% ABCDIJKMNOQRS

2% BD

2% BD

2% BD

6% BCDIJKoS

5% BCDIJKS

4% BCDIJKS

3% BCDi

jS

7% ABCDIJKmNORS

4% BCDIJKS

4% BCDIJ

kS

1% Bd

Other VOL

2% BOR

1%

1%

3% aBFOR

2% r

1%

2%

2% r

1%

2% bfoR

2% r

2%

2% bfR

2% r

1%

4% ABceFhijNO

Rs

2%

1%

2%



ge Underwater


African

American

Gen Y Gen X

Boomer

Pre-boomer

Less

Than

High

School

High

School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


.%

0%

0%

.% a

0%

0%

0%

0%

0%

0%

.% ab

0%

0%

.%

0%

0%

0%

0%

.% bo



Table q31 - If you were going to move, would you be more likely to: READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwat

er


African

American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High

School

High

School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Rent

29% BCDIJORS

13%

19% BS

19% BS

55% ABCDFGHIJKLMNOQRS

28% BCDIJorS

38% ABCDFIJMOqRS

41% ABCDFIJkMNOQRS

16% B

23% BdIS

35% ABCDfIJMORS

37% ABCDFIJMORS

28% BCDIJorS

33% ABCDIJmORS

23% BDIS

50% ABCDFGHIJKLMNOQRS

31% BCDIJORS

23% BIS

13%

Buy

66% EGHKLNP

82% ACDEFGHJKLMNOPQR

76% AEFGHKLmNP

Q

73% AEfGHKLNPQ

42%

67% EGHKLP

58% EP

57% EP

81% ADEFGHJKLMNOPQR

72% AEfGHKLNPQ

55% EP

53% EP

69% EGHKLNP

62% EKlP

74% AEFGHKLNPQ

42%

65% EgHKLP

74% AEFGHKLNPQ

85% ACDEFGHiJKLMNOPQR

Don’t know VOL

5% eHiMOS

5% HmOS

5% hS

8% ABEfGHIJMNOQRS

3%

5% Hs

4%

2%

3%

5% eHMOS

10% ABCEFGHIJMNOQRS

10% ABcEFGHIJMNOQRS

3%

5% eHS

3% s

8% ABEGHIJMnOQ

RS

4%

4%

2%



Table g32b[{q32b}].mA - Being better off financially overall. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African

American

Gen Y Gen X

Boomer

Pre-boom

er

Less Than High Scho

ol

High

School

Some Colle

ge

College/grad

School

<$25k $25-

50k

$50-100k

>$100k


Owning

80% EHNP

87% AEFGHiJKLNO

PqR

88% AEFGHJKLNOPR

91% ABEFGHIJKLMNO

PQRS

65%

81% EP

77% EP

76% EP

85% AEGHKLNP

83% AEGHkLNP

79% EP

76% Ep

84% AEGHKLNP

77% EP

82% AEg

HlNP

70% E

84% aEGHkLNP

82% EHNP

86% AEfGHKLNOP

Renting

16% BCDIjORS

9% D

9%

6%

30% ABCDFGHIJKLMNO

pQRS

17% BCDIorS

20% aBCDIJMOQRS

20% ABCDIJMOQRS

12% BD

14% BCD

S

17% BCDio

S

21% aBCDIJMOqRS

13% BcD

19% aBCDIJMOQRS

13% BCD

S

26% ABCDFGHIJKMNOQRS

14% BCD

13% BcD

10% D

Same / Neither VOL

3% Fj

3% f

2%

2%

4% FjLmP

1%

2%

4% dFjLMPq

3% f

2%

2%

1%

2%

4% ABDFJkLMPQ

3% AbDFJlm

P

2%

2%

4% ABDFgiJKLMPQ

3% f

Don’t know VOL

1% qR

1% r

1%

1%

1% qr

1%

1%

1%

1% r

1%

3% ABDgHJMNOQR

2% hnQR

1%

1%

1% qR

3% ABDGHJMNoQR

.%

.%

1% qr



Table g32b[{q33b}].mA - Having the best investment plan. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African America

n

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k


Owning

87% EGKP

93% AEGHiJKLMNO

PQ

93% AEGHJKLMNo

PQ

93% AEGHJ

KLMNOPQ

77%

90% EGKLmP

81%

87% EGP

90% AEGKLm

P

88% EGKP

83% e

84% e

86%

EGkP

88% EGKP

89% AEGK

lP

81% e

88% EGKP

91% AEGHjKLM

nP

91% AEGhKLMP

Renting

9% BcDIOR

5%

6%

4%

17% ABCDFHIJKMNOpQ

RS

8% bD

16% ABCDFHIJKMNOQ

RS

11% BCDInORs

6% D

8% BDr

11% BCDIjNO

RS

12% BCDIo

Rs

10% BC

DIjoRs

7% BD

7% BDr

13% ABCDFIJNORS

9% BcDiR

5% d

7% D

Same / Neither VOL

2% Bf

2%

1%

2% f

3% BFl

1%

2%

3% f

2%

3% BF

2%

1%

2%

3% BcFk

2% BF

2% f

2%

3% aBcFk

l

2%

Don’t know VOL

2% BHORS

1% r

.%

2% bHoRs

3% aBcHNOR

S

1% hr

1% Hr

.%

2% bHR

1% bHRs

5% ABCDeFGHIJMNO

QRS

4% ABCFgHjNOq

RS

2% HR

1% HR

1% HR

3% ABCfgHJmNOq

RS

1% Hr

.%

1%



Table g32b[{q34b}].mA - Having the best overall tax situation. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwate

r

Owner

Renter Hispanic

African

America

n

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High Scho

ol

High School

Some College

College/gra

d Schoo

l

<$25k $25-50k

$50-100

k

>$100k


Owning

73% EHP

80% AEGHIKLMNoP

Q

76% EhP

78% AEHKLmN

P

63%

75% EhlP

73% EP

69% Ep

75% EhP

77% AEHKLN

P

72% EP

69%

74% EP

71% EP

78% AEHKL

NP

64%

74% EP

77% AEHKLN

P

82% ACEFGHIJKLMNOPQ

r

Renting

21%

BDjORS

17% S

20% S

15%

30% ABCDFgHIJKMNOQRS

19% S

24% BDjORS

25% aBDfiJkOR

S

20% bdS

19% bDS

20% DS

26% BDFiJkORS

21% bDS

23%

BDjORS

17% S

30% ABCDFgIJKMNOQR

S

22% BDoS

18% s

13%

Same / Neither VOL

2% bJ

1%

1%

2% J

3% J

1%

1%

2%

2%

1%

4% ABCdF

GJLNOqS

1%

3% bcfJs

2%

2% bJs

2% j

2%

3% BcJs

1%

Don’t know VOL

3% BGJ

2%

3%

4% BGJm

R

4% BGJmr

4% BGj

r

1%

4% g

3% g

2%

5% aBGJM

oqR

4% g

2%

4% BGJ

R

3% bg

5% BGJMr

3%

2%

3% g



Table g32b[{q35b}].mA - Building up wealth. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African Americ

an

Gen Y Gen X Boomer

Pre-boomer

Less Tha

n High

School

High School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Owning

84% EGKP

90% AEFGHJKLMNOPQ

90% AEFGHJKLMN

oPQ

89% AEFG

HJKLMNPQ

73%

84%

EgKP

78%

82% EkP

89% AEFGHKLMNPQ

86% aEGKLP

77%

79%

84% EGKP

84% EGKP

87% AEGHKLP

74%

84% EGKP

88% AEfGHjKL

MNPq

90% AEFGHJKLMNOPQ

Renting

12% BCDIJORS

6%

7%

6%

23% ABCDFHIJKlMNO

QRS

13% BCDIORS

20% ABCDFIJKMNO

QRS

16% ABCDIJmOQRS

7%

10% BDs

13% BCDIjOq

RS

16% BCDIJOqRS

12% BCDI

orS

13% BCDIJORS

8% BD

21% ABCDFHIJKlMNO

QRS

10% BD

9% Bd

7%

Same / Neither VOL

2% c

2% c

1%

2%

3% h

2%

2%

1%

3% C

2% c

4% AbCDfHMNPS

3%

2%

2%

3% AbCHS

2%

3% ch

2%

1%

Don’t know VOL

2% bgHnR

1% hr

2% h

3% ABGHINORS

2% gHR

2% H

.%

.%

1%

2% bGHnR

5% ABCDEFGHIJMNOPqRS

3% gHr

2% gHR

1%

2% HR

3% GHnR

3% bGHiNR

1%

1%



Table g32b[{q36b}].mA - Saving for retirement. To achieve this, are you better off owning or better off renting? G


GP

Mortgage

Underwater


African America

n

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High

School

High Scho

ol

Some

College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k


Owning

81% EGkLP

87% AEGHJKLMNOP

QR

86% AEGJKLnP

q

90% AEFGHIJKLMNOP

QR

70%

84% EGkLP

75%

82% EGLP

85% aEGjKLP

81% EGLP

78% E

72%

83% EGkL

P

81% EGL

P

85% AEGJKLPq

74% E

81% E

GLP

84% EGjKLP

88% AEGHJKLmNO

PQ

Renting

13% BDIOS

9%

10% d

6%

24% ABCDFHIJKMNOP

QRS

13% BDS

23% ABCDFHIJKMNOQ

RS

13% BDoS

10% d

15% aBCDIMORS

14% BDImO

S

20% ABCDFHIkMOqRS

11% D

15% BCDImORS

10% BDS

19% ABCDFHIJKMnO

qRS

14% BDioS

11% BDs

8%

Same / Neither VOL

4% cFgj

3% cF

2%

3% f

5% cFGn

1%

2%

4% cFg

4% cFg

3%

4% cFg

3%

6% abCdFGJNs

3%

4% cFg

4% F

4% cFg

4% CFg

3%

Don’t know VOL

1% Hnr

1% Hr

2% Hr

1%

2% gHmnr

2% H

.%

.%

2% Hnr

1% h

3% ABDGHjMNOQ

Rs

5% ABDefGHiJMNO

QRs

1%

1%

1% H

3% ADGHjM

NOqR

1%

1%

1% h



Table g32b[{q37b}].mA - Living within your budget. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African Americ

an

Gen Y Gen X

Boomer

Pre-boomer


High

School

Some

College

College/grad School

<$25k $25-50k

$50-

100k

>$100k


Owning

65% EGHOP


77% AEFGHILmNO

PQR

84% ABCEFGHIJKLMNO

PQRS

37%

67% EGHP

57% EHp

49% E

70% AEGHNOP

72% AEfGHLNOPQr

73% AEfGHLNOPQr

64% EHP

70% AEGHNOP

63% EHP

62% EHP

51% E

67% EGHP

68%

aEGHNOP

72% AEGHlNOP

Renting

28% BCDIJK

mrS

16% D

16% D

11%

55% ABCDFGHIJKLMNOPQRS

28% BCDiJKS

39% ABCDFIJKLMNOQRS

44% ABCDFIJKLMNOQRS

22% BCD

21% BcD

20% BD

29% BCDiJKS

24% BCDk

31% aBCDIJKMRS

28% BCDIJK

rS

42% ABCDFIJKLMNOQRS

27% BCDJKS

25% BCDJK

s

20% BD

Same / Neither VOL

6% DF

5% f

6% f

4%

7% DFgjMq

3%

4%

6% f

7% abDFGjMQ

5%

5% d

4%

4%

5%

8% ABDFGHJKlMNQR

6% dF

4%

6% DF

7% DF

Don’t know VOL

1% gnR

1% gR

1%

2% GiNoR

1%

2% GINR

.%

1%

1%

2% GNoR

2% GNR

3% GiNR

2% gr

1%

1% r

1% g

2% GiNR

.%

2% gr

Statistics: Overlap formulae used - Column Proportions: Columns Tested (5%): A/B/C/D/E/F/G/H/I/J/K/L/M/N/O/P/Q/R/S, (10%): a/b/c/d/e/f/g/h/i/j/k/l/m/n/o/p/q/r/s Minimum Base: 30 (**), Small Base: 100 (*) Cell Contents: - Column Percentage


- Statistical Test Results


Table g32b[{q38b}].mA - Making the best decision given the current economic climate. To achieve this, are you better off owning or better off renting?


GP Mortgage

Underwat

er


African American

Gen Y Gen X

Boomer

Pre-boomer

Less Tha

n High School

High Scho

ol

Some

College

College/grad

School

<$25k $25-50k

$50-100

k

>$100k


Owning

68% EHn

P

78% AEFGHIJKLMNOPQR

76% AEfGHLNOPQ

82% AcEFGHIJKLMNO

PQRS

47%

69% EHP

66% EHP

56% E

74% AEGHlNOPQ

75% AEFGHLNOPQ

72% aEHN

oP

65% EHP

74% AEGHlNOPQ

65% EHP

67% EHP

55% E

67% EHP

73% AEGHlNOPq

76% AEFGHLNOPQ

Renting

27% BCDIJKMR

S

17% D

21% D

13%


28% BcDiJkMR

S

29% BCDIJKMR

S

40% ABCDFGIJKlMNOQRS

22% BD

21% BD

22% BD

32% BCDIJKMR

S

21% D

31% ABCDIJKMRS

27% BCDIJKMRS

42% ABCDFGIJKLMNOQRS

27% BcDJkM

S

22% BD

20% D

Same / Neither VOL

3% fp

3% Fp

3% f

2%

2% fp

1%

4% adFkLm

P

2%

3% Fp

3% Fp

2%

1%

2%

3% Fp

4% AbDFjKlmP

1%

3% f

3% dFP

3% f

Don’t know VOL

2% BCgj

1%

.%

3% aBCGIJN

ORS

3% bCGis

2% C

1%

2% c

1%

2% c

4% ABCGIJNOpRS

2%

3% aBCGIJnRS

1%

2% BC

2% cg

3% aBCGIJNorS

1%

1%



Table g32b[{q39b}].mA - Living in a convenient location. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African

American

Gen Y Gen X

Boomer

Pre-boomer

Less Than High Scho

ol

High Schoo

l

Some

College

College/grad School

<$25k

$25-50k

$50-

100k

>$100k


Owning

65% EHNO

71% AEG

HiNOPRS

68% EHn

O

77% ABCEGHIJNOP

QRS

52%

77% ABCEGHIJNOP

QRS

62% EHo

54%

67% EHN

O

71% AEGHNOPRS

73% AEG

HiNOPRS

73% AEGHNOPRS

74% AcEGHINOPRS

61% EHO

56%

65% EHO

70% aEGHNOrS

64% EHO

63% EHO

Renting

25%

BDFiJKLM

20% D

24% BDFjKlM

15%

38% ABCDFGIJKLMNO

PQRS

16%

30% ABDFIJKLMQ

37% ABCDFgIJKLMNOP

QRS

22% DF

19% D

17%

17%

18%

29% ABDFIJKLMQ

32% ABCDFIJKLMP

QRS

27%

BDFiJKLM

22% DFk

26%

BDFiJKLM

27% BDFIJKLMq

Same / Neither VOL

8% fp

8% f

6%

7%

8% fp

5%

6%

7%

10% acdFgkMPq

8% f

6%

7%

6%

8% f

11% ABCDFGHJKM

PQ

6%

7%

9% Fmp

9% Fmp

Don’t know VOL

2%

1%

2%

2%

2%

2%

1%

1%

1%

2% s

3% ABdgHiNO

RS

3% h

2%

1%

1%

2% hn

1%

1%

1%



Table g32b[{q40b}].mA - Having a good place for your family or to raise your children. To achieve this, are you better off owning or better off renting?


GP Mortgage

Underwat

er


African Americ

an

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k


Owning

87% ELP

92% AEGHIJKLmNOPR

91% AEGhKLnoPr

92% AEGHIJKLmNOPR

76%

92% AEGHIJKLNO

PR

84% Ep

86% ElP

88% ELP

88% EgkLP

84% EP

80%

89% EGKLP

87% ELP

88% EgkL

P

79%

90% AEGhKLnP

87% ELP

90% AEGhKLnOP

Renting

6% BDiORs

2%

3%

2%

12% ABCDFHIJkMNO

QRS

4% BDr

9% ABCDFhIJMNO

QRS

5% BDR

4% Bd

5% BDR

8% ABCDFhIJMNO

QRS

13% ABCDFHIJMNO

QRS

4% BD

5% BDR

4% BDR


5% BDr

2%

4% Bd

Same / Neither VOL

7% BDFJKQ

5% f

5%

4%

10% ABCDFGJKlMnO

PQS

3%

6% f

9% aBDFJKmQ

8% BDFjKQ

5%

4%

6%

6% f

7% BDFJKQ

7% BDFJKQ

6% dF

4%

10% ABCDFgJKMO

pQs

6% df

Don’t know VOL

1% BHOS

1%

.%

2% ABCFHinOqRS

1% H

.%

1% Hs

.%

1%

2% BfHOS

3% ABCeFHImNOQ

RS

2% FHs

1% Hs

1% Hs

1% hs

2% ABceFHi

OS

1% h

1% h

.%



Table g32b[{q41b}].mA - Feeling engaged in your community. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwat

er

Owner

Renter Hispanic

African America

n

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High

School

High

School

Some College

College/gr

ad Scho

ol

<$25k $25-

50k

$50-100k

>$100k


Owning

83%

EgKlP

90% AEfGHIJKLMNO

PQR

88% AEGHKLMnP

89% AEGHJKLMNPr

70%

86% EGKLmP

78% E

82% EP

86%

aEGKLmP

85%

aEGKLmP

78% E

77%

81% EP

83% EgKlP

87% AEGHjKLM

nP

73%

86% EGKLmP

85% aEGKLm

P

90% AEGHIJKLMNO

PqR

Renting

8% BCDIORS

2%

3%

3%

18% ABCDFHIJKMNO

QRS

8% BCDIORS

14% ABCDFHIJMNOQ

RS

8% BCDORS

5% Bdr

S

7% BCDORS

11% ABCDhIJMNOq

RS

16% ABCDFHIJMNOQ

RS

8% BCDiORS

7% BCDoRS

4% BDRS

18% ABCDFHIJKMNO

QRS

8% BCDiORS

3%

2%

Same / Neither VOL

8% dFJQ

7% f

8% f

6%

10% abDFGJl

oPQ

4%

6%

10%

dFgjpQ

8% Fq

6%

8% dFq

6%

9% Fq

9% DFJQ

8% Fjq

6%

5%

10% aBDFgJopQ

7%

Don’t know VOL

1% Os

1%

2%

2% aBnO

QS

2%

1%

2%

1%

1%

2% oS

2% bnOqS

1%

2% BoqS

1%

1%

2% s

1%

2% bos

.%



Table g32b[{q42b}].mA - Living in a place where you and your family feel safe. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African

American

Gen Y Gen X

Boomer

Pre-boome

r

Less Than High

School

High School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Owning

84% EP

91% AEGHIJKLMNO

PQRS

91% AEGHIjKLMNO

PQR

90% AEGHIJKLMNO

PQR

69%

89% AEHIKLNOPq

85% EP

82% EP

84% EP

87% AEHKlNOP

81% Ep

82% E

86% EKP

83% EP

83% EP

76% E

84% EP

85% EkP

88% AEHIKlNOP

Renting

7% BCDiR

S

2%

3%

3%

15% ABCDFGHIJMNO

QRS

7% BcDR

S

10% aBCDhIjMnORS

6% BDrS

5% BdS

6% BcDRS

12% ABCDFHIJMNOqRS

12% ABCDFHIJMN

ORS

6% BDrS

6% BDR

S

6% BcDR

S

15% ABCDFGHIJMNO

QRS

8% BCDiRS

3% b

2%

Same / Neither VOL

8% BCDFgJK

6% f

5%

6%

14% ABCDFGiJKLMnOPQS

3%

5%

11% aBCDFGJKLMpQ

10% BCDFGJKLQ

6% F

5%

5%

7% F

10% aBCDFGJKlQ

10% ABCDFGJKlQ

7% F

6% f

11% ABCDFGJKLMQ

9% BCDFgjK

Don’t know VOL

1% BJ

1%

1%

1% Js

2% bJs

1% j

.%

1%

1%

.%

2% aBgJno

rS

1%

1% bJ

1%

1% bj

2% BJs

2% BJs

1%

.%



Table g32b[{q43b}].mA - Having control over what you do with your living space. To achieve this, are you better off owning or better off renting?


GP Mortgage

Underwat

er

Owner

Renter Hispanic

African America

n

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k >$100k


Owning

94% EGKLP

97% AEGIJKLMO

PQ

96% EGKL

P

97% AEGIJKLMo

Pq

89% p

96% EGKLP

89% p

96% aEGKLP

94% EGKLP

94% EGKLP

90% P

87%

94% EGKLP

96% AEGJKLP

96% AEGJKLP

85%

95% EGKLP

98% AbcEFGHIJKLMNOP

Qs

97%

AEGiJKL

P Renting

5% BDHNOR

S

2%

4% bR

2%

10% ABCDFHIJMNOQ

RS

3% r

10% ABCDFHIJMNOQ

RS

3%

5% BDnR

5% BDhNORS

8% ABCDFHIJMNOQ

RS

11% ABCDFHIJMNOQ

RS

5% BDhnR

3% r

4% BdR

13% ABCDFHIJKMNOQ

RS

4% BR

1%

3%

Same / Neither VOL

1% dor

.%

0%

.%

1% bdjoR

.%

1%

1%

1% BcDoR

.%

.%

1%

.%

1% bDR

.%

1% aBcDJKm

OR

1%

.%

.%

Don’t know VOL

.%

.%

0%

1%

.%

1%

.%

.%

.%

.%

1% AehinoR

1%

.%

.%

.%

1%

.%

.%

.%



Table g32b[{q44b}].mA - Having a sense of privacy and security. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African Americ

an

Gen Y Gen X

Boome

r

Pre-boome

r

Less Than High

School

High School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Owning

89% EKLP

96% AEfGHIJKLMNO

PQRS

96% AEGHIJKLMNOPqR

95% AEGHIJKLMN

OPR

78%

93% AEGHKLP

87% EP

89% ELP

91%

EKLP

91% AE

GKLP

86% Ep

82%

91% EKLP

90% EKLP

91% AEGKLP

82% e

92% aEGhKLP

91% EgKLP

94% AEGHijKLnOP

Renting

5% BcDhiNORS

2%

3%

3%

11% ABCDFHIJMNOQ

RS

4% BR

10% ABCDFHIJMNOQRS

3% br

4% BR

6% BCDNORS

10% ABCDFHIJMNOQRS

13% ABCDFHIJMNOQRS

5% BdRS

4% BR

4% BRS

13% ABCDFHIJMNOQRS

5% BdRs

2%

2%

Same / Neither VOL

5% BCDFJQ

2%

1%

2%

9% ABCDFGIJKLMNOPQS

2%

3%

7% ABCDFGJKmo

PQs

6% BCDFgJQ

3%

3%

4%

4% bcd

6% BCDFGJKQ

5% BCDFgJQ

4% c

3%

7% ABCDFGJKMOPQs

4% BCd

Don’t know VOL

1% B

.%

.%

.%

1% ABgiNRs

1% b

.%

1%

.%

1% B

1% b

1% Bnr

1%

.%

1% B

2% ABDGiJmNoRS

.%

.%

.%



Table g32b[{q45b}].mA - Having flexibility in future decisions. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter Hispanic African American

Gen Y Gen X

Boomer

Pre-boome

r

Less Than High

School

High School

Some

College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


Owning

64% EHOS

66% aEHNOS

69% EHNOS

76% ABCEGHIJKNOPQRS

55% o

82% ABCdEGHIJKMNOPQRS

70% aE

HiNOS

57% O

63% EhO

S

70% AbEHINORS

69% AEHN

OS

78% ABCEgHIJKNOPQRS

75% ABcEHIJKNOPQRS

62% EO

50%

68% aEHN

OS

66% EHOS

65% EHOS

57% O

Renting

32%

DFJKLMP

31%

DFJKLM

29% DFLM

19%

41% ABCDFGIJKLMNPQR

15%

28%

DFLm

41% ABCDFGIJKLMNPQR

32% DFjKLMp

27% DFLM

25% DFL

17%

22% F

35% cDFgJKL

MPq

47% ABCDEFGHIJKLMNPQRS

27% DFLm

30% DFLM

33%

DFJKLMp

41% ABCDFGIJKLMNPQR

Same / Neither VOL

2% o

2%

2%

2%

3% hm

1%

2%

1%

4% ABdFHJ

MOs

2%

2%

1%

1%

3% ABDFHJMO

1%

2%

2%

2%

2%

Don’t know VOL

1% BhNOR

1%

1%

3% ABcGHIjNORS

1% hNr

2% HNR

.%

.%

1%

1% NoR

4% ABCEGHIJmNOqRS

4% ABceGHIjNOR

S

2% bgHiN

oR

.%

1%

3% ABcEGHIJ

NORS

2% hNr

.%

1%



Table g32b[{q46bb}].mA - Living in a nicer home. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwate

r

Owner

Renter Hispanic African

American

Gen Y

Gen X Boomer

Pre-boomer

Less

Than High School

High

School

Some College

College/gra

d Schoo

l

<$25k $25-50k

$50-

100k

>$100k


Owning

82% EkP

86% AEGHIKlNOPQ

R

85% EknP

85% AEHKNO

Pr

73%

89% AdEGHIJKLmNOPQ

R

81% E

80% E

82% E

85% AEhKNOP

r

78% e

81% E

85% aEhKno

P

80% E

81% E

77% e

82% E

81% E

87% AEgHIKNOP

R Renting

12% BDFJS

9%

11% d

7%

18% ABCDFhIJKMNOQR

S

7%

16% ABDFIJMR

S

14% BDFJ

MS

11% D

10% D

12% BDFs

13% DF

9%

12% BDFJs

12% BDFJS

16% ABcDFIJMoR

S

11% Df

11% bDf

9%

Same / Neither VOL

5% BF

3%

2%

4% f

7% ABCFGhJk

LMPqs

2%

3%

4% f

7% ABCFGJLMpq

S

4% f

4% f

2%

3%

6% BcFgj

5% ABCFGJs

4%

4% f

6% BCFGJlm

4%

Don’t know VOL

2% bGiOS

2% g

2%

3% ABfGIJOrS

2% Gs

1%

.%

2%

1%

2% gs

5% ABCdEFGHIJMNOpQR

S

4% bfGIoS

2% G

2% Gis

2% g

3% bGIoS

2% G

2% g

1%



Table g32b[{q47b}].mA - Living in your preferred school district. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwat

er


African Americ

an

Gen Y Gen X

Boomer

Pre-boomer

Less

Than

High

School

High School

Some College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k


Owning

73% EHOP

80% AEGHJKLMNOP

Qs

78% aEGHkO

P

81% AEGHJKLMNOP

Qs

59%

77% EGHkOP

69% E

67% E

77% AEGHKnOP

77% AEGHKnOP

71% EP

72% EP

74% EgHP

73% EHP

70% EP

64% e

74% EHP

78% AEGHKNOP

76%

aEGHkOP

Renting

16% BCDIJKR

10% d

11%

7%

28% ABCDFIJKLMNO

QRS

18% BCDIJKRs

23% ABCDIJKMNO

QRS

24% ABCDFIJKMNOQ

RS

11% D

13% BD

12% D

19% BCDIJKRs

15% BDiR

15% BDiR

16% BCDIJKRs

26% ABCDFIJKLMNO

QRS

16% BcDIkR

10% D

13% BD

Same / Neither VOL

9% F

8% F

9% F

7% F

11% FgjLpQ

4%

7%

8% F

10% bFlQ

8% F

10% dFlQ

6%

9% F

8% F

11% ABDFghJlp

Qs

8% F

6%

9% F

9% F

Don’t know VOL

3% ghI

2% I

3% i

4% ABFGHIjMpRS

3% hi

2%

1%

1%

1%

3% gI

7% ABCDEFGHIJLMNOP

QRS

3%

2%

4% GH

I

3% BGHI

s

3%

4% bfGHIm

2% i

2%



Table g32b[{q48b}].mA - Having less stress. To achieve this, are you better off owning or better off renting? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgag

e

Underwat

er


African Americ

an

Gen Y Gen X

Boome

r

Pre-boome

r

Less Than High Scho

ol

High School

Some Colle

ge

College/grad

School

<$25k

$25-

50k

$50-100k

>$100k


Owning

53% EHNO

54% EHINO

52% EO

67% ABCEHIJKMNOP

QRS

42%

65% ABCEHIJNOPQ

RS

62% ABCEHIJNOPQ

RS

47% E

49% Eo

55%

aEHiNO

q

61% ABCEHIJNOPQ

RS

60% aEHINOpQrs

61% ABCEHIJNOPQ

RS

48% E

45%

53% EHnO

50% Eo

52% EhnO

51% EO

Renting

42% DFGKLM

40% DFKM

43% DFgK

lM

29%

53% ABCDFGHIJKLMNP

QRS

30%

35% d

47% ABDFGJKLMp

45% BDFGKLM

41%

DFgKM

34% D

34%

33% d

47% ABDFGJKLMP

51% ABCDFGIJKLMP

QRS

41% DFgKlM

44% DFGKLM

43% DFGKlM

46% BDFGJKL

M

Same / Neither VOL

4% s

5% jS

4%

3%

4%

4%

3%

5% S

5% S

3%

3%

3%

5% s

4%

4% S

4%

5%

4%

2%

Don’t know VOL

1% OR

1% ORs

1% r

1% ORs

1%

1%

.%

1%

1%

1% ORs

2% aegHn

ORS

2% ehoR

s

1% r

1%

1%

2% ehoR

2% or

.%

.%



Table q46b - Which of the following is the best reason to buy a house? READ CHOICES G


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African American

Gen Y

Gen X

Boomer

Pre-boomer

Less

Than

High

School

High Scho

ol

Some College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


The financial benefits of homeownership, such as its value as an investment (especially compared to paying rent), its value as a way to build up wealth for retirement or to pass on to your family, and the tax benefit

38% EFLPq

42% AEFGhKLMN

PQ

43% EFgLMPQ

40%

EFLmPq

32%

30%

35%

37%

eFP

40% EFLPq

40%

EFLmPq

37% fP

31%

35% p

37% eFP

46% ABDEFGHIJKLM

NPQ

30%

34%

43% AEFGhKLMN

PQ

45% AdEFGHiJKLMN

PQ


GP


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African American

Gen Y

Gen X

Boomer

Pre-boomer

Less

Than

High

School

High Scho

ol

Some College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S The broader security and lifestyle benefits of homeownership, such as providing a good and secure place for your family and children, where you have the control to make renovations and updates if you want, and in a place that's in a community and location that you prefer

58% BkORS

55% O

55%

56% O

63% ABCDJKORS

68% ABCDhIJKNORS

62% BcdjKORS

62%

BcdKORS

58% OS

57% OS

54%

64%

BcdKORS

62% aBCDJKORS

60% BkORS

51%

65% ABCDiJKOR

S

64% ABCDJKORS

54% o

52%


GP


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African American

Gen Y

Gen X

Boomer

Pre-boomer

Less

Than

High

School

High Scho

ol

Some College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S Don't know - VOLUNTEERED ONLY - DO NOT READ

3% BHi

3% h

3%

4% bHiq

4% bfHi

q

2%

3%

1%

2%

4% bH

9% ABCDEFGHIJMNOP

QRS

6% BF

HIQr

3% h

3% H

3% BHi

5% ABFgHIMn

Qr

2%

3% h

3% H



Table q47 - Which is closer to your view? READ CHOICES G


GP

Mortgage

Underwater


African Americ

an

Gen Y Gen X Boo

mer

Pre-boom

er


High School

Some Colleg

e

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Renting makes more sense because it protects you against house price declines and is actually a better deal than owning.

14% BDFIORS

8%

11% BDi

5%


10% D

20% ABCDFIJKLMOqRS

18% ABCDFIJkMORS

7%

13% BDfIRS

13% BDIRs

13% BDI

13% BDI

17% ABCDFIJkmORS

12% BDIr

s

22% ABCDFIJKLMnOQRS

15% BDFIRS

10% bDi

10%

bDi


GP


GP

Mortgage

Underwater


African Americ

an

Gen Y Gen X Boo

mer

Pre-boom

er


High School

Some Colleg

e

College/grad

School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S Owning makes more sense because you’re protected against rent increases and owning is a good investment over the long term.

84% EGHNP

91% AEGHJ

KLMNOPQrS

88% aEGHkN

P

92% AcEGHJKLMNOPQRS

71%

89% AEGHjKNPq

79% E

80% Ep

91% AEGHJKlMNOPQ

85% EGHNP

83% EP

85% EgP

86% EGHnP

81% EP

86% AEGHNP

76% E

84% EgP

89% AEGHJKNOPq

88% AEGHkNP

Don’t know VOL

2%

1%

1%

2% q

2% q

1%

1%

1%

2% cq

1%

3% ABCfGhJMNQr

2%

1%

2%

2% BcJq

3% gjq

1%

2%

2% cj



Table q47bb - Which is closer to your view? READ CHOICES G


GP

Mortgage

Underwater


African

American

Gen Y Gen X

Boomer

Pre-

boomer


High

School

Some

College

College/gr

ad Scho

ol

<$25k $25-50k

$50-

100k

>$100k


Renting makes more sense because it is less stressful and gives you more flexibility in future decisions

21% BCDIJKMRS

11%

15% Bd

10%

40% ABCDFGHIJKLMNO

PQRS

17% BD

27% ABCDFIJKMnRS

31% ABCDFIJKLMNO

QRS

14%

18% BDi

17% BD

22% BcDI

17% BD

22% BCDfIJKmRS

24% ABCDFIJKMRS

29% ABCDFIJKlMNo

QRS

22% BCDIjkm

17%

BDi

17% BD


GP


GP

Mortgage

Underwater


African

American

Gen Y Gen X

Boomer

Pre-

boomer


High

School

Some

College

College/gr

ad Scho

ol

<$25k $25-50k

$50-

100k

>$100k

A B C D E F G H I J K L M N O P Q R S Owning makes more sense because you have more control over where you live and a better sense of privacy and security

78% EGHOP

88% AcEFGHJKLMNOPQRS

84% AEGHNOPQ

89% AcEFGHJKLMNOPQRS

59%

82% aEGHOP

72% E

68% E

85% AEGHLN

OPQr

82% AEGHNOPq

82% AEGHnOP

78% EHP

82% AEGHOPq

78% EgH

P

74% EH

71% E

77% EHP

82%

AEGHNOP

82% aEGHOP

Don’t Know VOL

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1% ln

0%

1%

.%

2% ABehJlNr

1%

1%

1%

2% ln



Table q50 - In the future, are you more likely to: READ CHOICES G


GP

Mortgag

e

Underwat

er

Owner Rente

r

Hispanic

African American

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k


Always rent

31% HIR

35% HInoR

35% HIR*

36% HINoR

30%

HIR

25% H*

36% HInR*

14%

17% *

44% ABEFHIMNOQ

RS

59% ABCDEFGHIJlMNOPQ

RS

45% AEFHImNOQ

R*

30%

HIr

25% H

28% HIR

39% AEFHIMNO

qR

29% Hi

19% *

27% H*

Buy at some point in the future

62% DJKLP

58% DjK

61% DK*

40% K

66% aDgJKLP

70%

bDJKLP

*

58% DK*

83% ABCDEFGJKLMNOP

Qrs

81% ABCDEGJKLMNOP

Q*

50% dK

23%

47% K*

63% DJKLp

67% DJKLP

66% aBDJKLP

56% DK

65% DJKL

75% ABDGJKLmo

P*

69% DJKL*

Don’t know VOL

7% Eh

7% e

4% *

24% ABCEFGHIJLMNOPQ

RS

3%

4% *

6% *

4%

2% *

6%

18% ABCEFGHIJlMNOPQR

S

8% e*

6%

7% E

6% e

5% e

7% e

6% *

4% *



Table q50a - Based on your personal situation, how soon do you expect to be buying a home? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage Underwater

Owner Renter

Hispanic

African

American

Gen Y Gen X

Boomer Pre-boomer

Less

Than High

School

High

School

Some Colleg

e

College/grad School

<$25k

$25-50k

$50-

100k

>$100k


Never

13% EHO

37% AEFGHIj

MNOPQR*

39% **

53% AEFGHIJ

MNOPQR*

2%

8% EH*

10% EH*

1%

12% EH*

25% AEFGHiNOPQR

*

75% ABDEFGHIJMNOPQR*

24% **

18% EHO*

9% EH*

7% EH

15% EHO*

13% EH*

12% EH*

7% **

Less than 1 year

1%

.% *

0% **

4% *

2%

5% ahn*

1% *

1%

2% *

2% *

3% *

0% **

3% *

1% *

1%

2% *

1% *

1% *

2% **

1-2 years

8% k

7% *

2% **

6% K*

9%

18% AdeHKNOR

*

12% Knr*

8%

9% *

13% KNoR*

.% *

12% **

13%

Knr*

5% *

6%

10% K*

12% kn*

4% *

9% **

3-5 years

31% BDjK

8% *

8% **

12% k*

40% ABDJKmP

31% BDK*

41% aBDJKmP

*

35% BDKp

40%

BDjKp*

24% BdK*

3% *

23% **

29% BDK*

32% BDK*

36% aBDJK

p

26% BDK*

36% BDjK*

34% BDK*

29% **

More than 5 years

44% DJKM

42% DK*

49% **

20% k*

47% DgiJKMq

35% K*

34% K*

54% ADeFGIJKMPQ

33% K*

34% dK*

11% *

40% **

33% dK*

51% DfGIJKMQ

*

47% DgiJKmq

44% DKm*

35% dK*

48% DijKm*

53% **

Don’t know VOL

2%

5% h*

3% **

5% eh*

1%

4% *

2% *

1%

4% e*

3% *

8% aEHnR*

2% **

3% *

2% *

2%

3% *

3% *

1% *

0% **


Table q50b - In the future, are you more likely to: READ CHOICES G


GP

Mortgage

Underwater

Owner

Renter Hispanic

African America

n

Gen Y Gen X

Boomer

Pre-boomer

Less

Than

High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Always own

88% EP

92% AEGHJLM

NOPqS

91% EghlP

90%

EghP

76%

89% EP

85% E

85% E

90% EghP

88% EP

91% Eghl

P

84% *

88% EP

88% EP

90% AEghP

81%

89% EP

92% AEGHJLmNP

89% EP

Rent at some point in the future

9% BkR

6%

6%

9% br

19% ABCDFHIJKMNOQRS

8%

14% ABCDfIJK

mOQR

13% aBCiKOqR

8% b

9% BR

6%

13%

BckR*

9% b

10% BkR

9% BR

16% ABCDFIJKMNOQRS

8%

6%

10% BR

Don’t know VOL

2% dO

2%

2%

1%

5% ABDGHInO

S

3%

1%

2%

2%

3% bDgOs

3% D

3% *

3% D

2%

2%

3%

3% d

3% d

2%



Table g51a[{Q51a}].mA - Having no debt of any kind. Is it important to you that you have this in your life? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African

American

Gen Y

Gen X Boomer

Pre-

boomer

Less Tha

n High School

High School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Very important to me

74%

BCIOS

69%

66%

80% ABChIJnOR

S

78% ABCIjOr

S

82% ABCHIJmNOq

RS

78% BCIO

S

75% BCOS

70%

75% BCO

S

78%

BCIOS

77% BCiOS

76% BCIOS

76%

BCIOS

69%

79% ABCIjO

rS

76% BCiOS

74% BCOS

66%

Somewhat important to me

20%

DEFGKlP

25% ADEFGHJKLMNP

Q

29% ADEFGHiJKLMNP

QR

15%

15%

12%

14%

19% eFgP

23% ADEFGKLMnP

q

20% DEFGkL

P

16%

14%

18% FP

20%

DEFGklP

25% ADEFGHJKLMNP

Q

13%

18% FP

23% ADEFGKLMnP

q

26% ADEFGHJKLMNP

Q

Not very important to me

4% R

5% nR

4%

3%

4%

6% dNR

5% r

4%

4% r

4%

5% dnR

8% aDeJmN

R

4%

3%

4% R

5% R

4%

3%

7% AbDeJm

NOR

Not at all important to me

2% Br

1%

.%

2%

2% bcfR

1%

3% aBCFjNOR

s

2%

2%

1%

2%

2%

2% bcf

r

1%

1%

3% ABCDFJkNOqR

s

1%

1%

1%



Table g51a[{Q51b}].mA - Living within walking distance of your favorite stores and shops. Is it important to you that you have this in your life? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter Hispanic African Americ

an

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k



20%

BINORS

13% rS

17% oRS

17% BnORS

30% ABCDHIJKMNO

QRS

41% ABCDEHIJKMNO

QRS

34% ABCDHIJKMNO

QRS

17%

bORS

16%

oRS

22% ABcDhINO

RS

23% ABcDHINO

RS

45% ABCDEGHIJKMNOp

QRS

20% Bi

NORS

14% rS

13% S

38% ABCDEHIJKMNO

QRS

21% BI

NORS

11%

9%


23%

bKL

21%

24% L

21%

26% bKLmp

22% l

27% aBdjKL

Mp

26% BdKLm

22% l

22% l

19%

16%

21%

25%

bKL

27% ABDfIJKLMpr

22% l

23% L

23% kL

25% BKL


33% DeFGkLP

37% ADEFGJKLMP

35% FGLP

29% G

29% G

27%

23%

34% efGLP

36% DEFGKLP

32% fGLP

29% g

24%

31%

GlP

35% DEFGKLP

37% ADEFGJKLmP

26%

33% fGLP

38% ADEFGJKLMP

35% DeFGkLP


25% EFGLP

28% AEFGHJLO

Pq

24% EFGL

P

32% ACEFGHIJLmNO

PQr

15% F

11%

16% f

23% EFGlP

26% EFGLP

23% EFGL

P

29% AEFGhjLOPq

15% f

28% EFGjLPq

26% EFGLP

24% EFGL

P

15% f

23% EFGLP

28% aEFGhJLO

P

30% AcEFGHJLOPQ

Statistics: Overlap formulae used - Column Proportions: Columns Tested (5%): A/B/C/D/E/F/G/H/I/J/K/L/M/N/O/P/Q/R/S, (10%): a/b/c/d/e/f/g/h/i/j/k/l/m/n/o/p/q/r/s Minimum Base: 30 (**), Small Base: 100 (*) Cell Contents:


- Column Percentage - Statistical Test Results


Table g51a[{Q51c}].mA - Having access to public transportation. Is it important to you that you have this in your life? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African America

n

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some

College

College/gr

ad Schoo

l

<$25k $25-

50k

$50-100k

>$100k



27%

BDINORS

19% R

24% BOR

s

21% R

41% ABCDHIJKMNO

QRS

46% ABCDHIJKMNO

QRS

50% ABCDEHIJKMNO

QRS

29%

BDINORS

22% oR

28%

BDINORS

26% BDnORS

51% ABCDEHIJKMNO

QRS

28%

BDInORS

22% R

19% R

46% ABCDEHIJKMNO

QRS

30%

BDINORS

14%

19% r


22%

22%

20%

20%

23%

21%

20%

24%

22%

21%

22%

18%

21%

23%

25% ABCDgJLm

S

22%

24% dl

24%

21%


24% EGLP

30% ADEFGHJKLMPq

27% EGkL

P

24% EGLP

18% Gl

22% GLP

11%

23% EGLP

27%

EfGkLmP

25% EGLP

21% GLP

12%

22% eGLP

28% AdEFGhKLMP

29% ADEFGHJKLMP

16% G

25% EGLP

28% AdEFGhKLM

P

27% EfGKL

mP


27% EFGLPQ

29% AEFGhJLoP

Q

29% EFGLPQ

35% ABcEFGHIJKLMNOPQ

18% F

11%

18% F

24%

EFgP

29% EFGLPQ

26% EFGlPQ

30% aEFGhjLPQ

19% F

30% EFGhLPQ

27% EFGlPQ

27% EFGLPQ

16% F

20% F

34% ABEFGHiJLNOPQ

32% AEFGHJLnOPQ



Table g51a[{Q51d}].mA - Owning your own business. Is it important to you that you have this in your life? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter


an

Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/grad School

<$25k

$25-50k

$50-100k

>$100k



28% BKNOrS

24%

25%

26% Ko

36% ABCDIJKmNORS

50% ABCDEG

HIJKMNOPQRS

38% ABCDhIJKMN

ORS

32% BcdKN

ORS

29% BKN

OS

28% BKNOS

21%

45% ABCDEHIJKMNO

PQRS

31% BdKNOrS

23%

23%

34% ABCDJKNORS

33% ABCDjKNORS

25%

24%


21% K

22% K

26% ADEfKLMop

19% K

19% K

20% K

23% K

23% K

24% deKl

22% dK

12%

18% k

19% K

24%

ADEKlmp

21% K

19% K

21% K

22% K

22% K


23%

FKl

24%

FiKlq

21%

21%

23% Fkl

17%

20%

28% AcDeFGIjKLMPQ

21%

23% F

19%

17%

21%

24%

FKlq

27% ABCDFGIJKLMPQ

20%

20%

24% dFKl

29% ABCDeFGIJKLM

nPQ


28% EFGHL

29%

EFGHLS

28% eFGHl

34% AbEFGHIJLMNOP

QRS

22% Fh

13%

19% f

18% f

26% eFGH

27% EFGH

l

48% ABCDEFGHIJLMNO

PQRS

20% F

29% EFGHL

28% EF

GHl

29% aEFGH

LS

27% EFGH

l

26% FGH

29% EFGHL

25% FgH



Table g51a[{Q51e}].mA - Saving as much money as you can rather than spending it on things you want now. Is it important to you that you have this in your life?

G


GP Mortgage

Underwater

Owner

Renter


an

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some

College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k



56% CDK

Os

54% CKO

48%

50% K

61% ABCDjKNO

RS

68% ABCDEHIJKMNOP

QRS

66% ABCDhJKNOP

QRS

59% bCDKOrS

60% ABCDKnORS

57% CDKOs

43%

61% CDKOrS

60% aBCDKORS

55% cdKo

50% K

58% CDKOs

58% CDK

Os

53% Ko

52% K


33% EFGLP

35% AEFGIL

MPQ

38% aEFGILMPQ

35% EFGLMPQ

28%

25%

23%

33% eFGLP

30% fGl

33% EFGLP

33% eFGLP

23%

29% g

33% eFGLP

41% ABDEFGHIJKLMN

PQR

26%

29%

36% AEFGIL

MPQ

39% AbEFGhIJkLM

NPQ


8% I

7%

7%

10% ABeF

GHIJMoRS

7%

5%

6%

6%

5%

7%

14% ABCDEFGHIJLMNO

PQRS

8%

7%

8% I

8% I

9% eFGh

Ij

9% fgI

7%

6%


4% HO

4% hO

7% ABFHiJmnOqRS

5% fHO

4% HO

2%

5% fHO

2%

4% hO

3% O

9% ABDEFgHIJMNOpQ

RS

8% ABdEFHiJMnOQRS

4% O

4% HO

2%

6% AbeFHJmOrs

4% hO

4% O

3% O

Statistics: Overlap formulae used


- Column Proportions: Columns Tested (5%): A/B/C/D/E/F/G/H/I/J/K/L/M/N/O/P/Q/R/S, (10%): a/b/c/d/e/f/g/h/i/j/k/l/m/n/o/p/q/r/s Minimum Base: 30 (**), Small Base: 100 (*) Cell Contents: - Column Percentage - Statistical Test Results


Table g51a[{Q51f}].mA - Living close to your family. Is it important to you that you have this in your life? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgag

e

Underwat

er

Owner

Renter

Hispanic African American

Gen Y

Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/grad School

<$25k $25-50k

$50-100

k

>$100k



52% IOS

52% IOS

47%

55% aCeGhInOr

S

49% Os

68% ABCDEGHIJKMNOPQ

RS

48%

50% Os

46%

53%

cIOS

60% ABCdEGHIJNOq

RS

63% ABCdEGHIJNOQ

RS

57% AbCEGHINOR

S

50% OS

43%

58% ABCEGHIjNO

RS

54% IOS

50% Os

44%


32% FKLmP

33% FKLMP

34% FLP

30% FLp

33% FLP

21%

33% FLP

33% FLP

38% ABDEFJKLMP

q

31%

FLP

28% FL

20%

28% FL

34%

FKLmP

41% ABCDEFGHJKLMNP

QRS

26% l

33% FkLP

36% aDFjKLM

P

36% dFjKLMP


11%

10%

14% aBdFJKPq

9%

12% fP

8%

12% p

13% bdFjkP

10%

9%

9%

10%

10%

11%

11% b

9%

10%

10%

14% ABDFiJKmO

Pq


5% r

5%

5%

5%

6% f

3%

7% FKnQR

5%

6% f

6% FknqR

4%

8% Fkqr

5%

4%

6% fkR

7% aFKMNqR

4%

4%

7% FKnqr



Table g51a[{Q51g}].mA - Having children. Is it important to you that you have this in your life? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic

African American

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/gr

ad Scho

ol

<$25k

$25-50k

$50-100k

>$100k



67% DjKNoP

72% ACDEhJKNOPQ

64%

64%

64%

73% ACDEhJKNOPQ

68% k

66%

78% ABCDEfGHJKMNO

PQRS

65%

61%

76% ACDEGHJKmNOPQr

69% dKnP

63%

65% k

63%

66%

69% djKNop

72% ACDEhJKNOP


13% BdIJK

10%

13%

10%

17% ABDfIJKLMQRS

12%

14%

bijK

20% ABCDFgIJKLMNO

QRS

9%

10%

9%

9%

11%

15%

BDIJKl

14% ABDIJKlrS

16% ABDIJKLMqrs

12%

12% k

12%


7% I

6% I

6%

7% I

8% Im

6%

6%

8% bIms

4%

7% I

7% i

7%

5%

7% I

8% ABIm

S

8% Im

7% I

7% I

5%


13% FHILO

12% fHI

17% BEF

HILOS

19% ABEFGHILMnOP

qRS

11% H

9%

13% HIl

6%

8%

18% ABEFgHILOP

RS

23% ABcDEFGHIJLMNO

PQRS

8%

15% eFHIL

15%

BEFHILos

12% fHI

13% fHIL

15% eFHIL

13%

fHIl

11% H



Table g51a[{Q51h}].mA - Living in the best school district. Is it important to you that you have this in your life? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic

African America

n

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k



45% DJKO

45%

DJKos

43% k

38%

49% aDJKNOQrS

56% ABCDEHJKMNOQRS

60% ABCDEHIJKMNO

PQRS

49% DJKNO

QrS

53% ABCDJKMNO

QRS

42% K

36%

56% ABCDJKMNO

QRS

44% DK

42% K

43% DK

52% ABCDJKMNO

QRS

42% k

43% dK

41% k


28%

DGjKP

31%

ADGJKLP

31% DGjKlP

23% K

27% GKP

27% Kp

21%

36% AbDEFGiJKLMNOPR

30% DGKlP

26% gKp

16%

22%

29% DGKP

29%

DGKP

29% DGJKlP

22% K

32% DeGJKLP

28%

DGKP

35% ABDEFGiJKLmNOPR


11% G

11% G

12% G

11% G

11% G

12% g

7%

9%

9%

12% G

14% abGhim

9%

10% g

12% G

12% Gi

12% G

11% g

11% G

11% g


16% BeFgHIS

13%

FHI

13% FHI

27% ABCEFGHIJLMNOPQRS

13% FHI

6%

12% FHI

6%

8%

20% ABCEFGHILMOPQrS

34% ABCDEFGHIJLMNO

PQRS

12% FHi

16% FHI

17% BEFGHIS

16% BFHI

S

15% FHI

16%

FHI

17% BeFgHIs

12% FHI



Table g51a[{Q51i}].mA - Reducing the impact of your actions and lifestyle on the environment. Is it important to you that you have this in your life?


GP Mortgage

Underwater

Owner


n

Gen Y

Gen X

Boomer

Pre-boomer Less Tha

n High Scho

ol

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k



43% BDKOr

40%

46% bdK

38%

53% ABcDHIJKMNOQRS

58% ABCDHIJKlMNOPQRS

52% ABDHijKMNOqRS

44% dK

45% BDK

46% aBDKnO

R

36%

50% BDKnoR

s

44% DK

41% k

41% K

50% ABDhKMNOR

S

45% bDK

40%

42%


42% EFlP

46% AcEFGJLm

P

41% eFP

45% EFjLP

33%

29%

39% eFP

43% EFlP

42% EFlP

41% EFP

42% EFP

35%

41% EFP

44% EFjLP

44% AEFJL

P

32%

43% EFlP

47% AEFGJkLm

P

45%

EFLP


9% GR

10% GR

9%

11% GR

8%

10% g

6%

9%

8%

10% Gr

11% eGqR

10%

10% G

9% g

9% Gr

11% eGr

8%

7%

10% g


5% bFj

4%

5%

6% Fjqs

6% Fghq

3%

3%

4%

5%

4%

11% ABCDEFGHIJlMNOpQRS

6% F

5% f

5% f

5% fs

8% ABFGHiJmoQS

4%

6% bFj

4%



Table g51a[{Q51j}].mA - Having the latest technology. Is it important to you that you have this in your life? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwat

er

Owner Renter

Hispanic African America

n

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some Colle

ge

College/grad School

<$25k $25-50k

$50-100k

>$100k



19% Bno

R

17% R

22% BnR

20% nR

22% BiNoR

30% ABCDEHIJKMNOP

QRS

30% ABCDEHIJKMNO

PQRs

20% R

17% r

19% R

20% R

29% ABDeHIJKMNOQR

18% r

16%

18% R

23% ABIJMNOR

20% R

14%

23% ABIJmNOR


40% DfLmP

44% ADEFGKLMPq

47% ADEFGKLMPq

35% P

37% P

35% P

37% P

40% LP

41%

dfLP

42% DeFL

MP

37% P

31%

36% P

44% ADEFGKLMPq

45% ADEFGhijKLM

PQ

27%

39% lP

47% ADEFGHIJKLMPQ

44% aDEFgKLMP


26% DgK

l

27% cgKl

22%

23%

28% dGKL

27% Kl

21%

29% cDGKL

30% aCDGKLS

26% K

20%

20%

27% dgKl

28% cDGK

l

27% cDGKl

S

28% dGKL

27% K

28% cDGKL

24%


14% BCFhN

ORS

12% fOS

10%

22% ABCEFGHIJNOQRS

13% Fos

8%

12%

11%

12%

fos

14% cFOrS

23% ABCEFGHIJmNO

QRS

20% ABCEFGHIJNORS

19% ABCEFGHIJNOqRS

11%

10%

21% ABCEFGHIJNOQRS

15% cFnOS

11%

9%



Table g51a[{Q51k}].mA - Being in a home that you stay in the rest of your life, as opposed to moving to a new home periodically. Is it important to you that you have this in your life?


GP Mortgag

e

Underwater

Owner

Renter

Hispanic

African American

Gen Y

Gen X Boomer

Pre-boom

er

Less Than High

School

High Scho

ol

Some

College

College/grad School

<$25k

$25-50k

$50-100k

>$100k



51% beHNOr

S

49% HOS

48% OS

62% ABCEgHIJNORS

48% OS

65% ABCEGHIJNOPRS

56% bcEHNORS

43% Os

50% hOS

54% aBcEHNO

RS

62% ABCEgHIJNORS

71% ABCDEGHIJkMNO

PQRS

61% ABCEHIJNORS

46% OS

37%

58% ABCEHINORS

59% ABCEHIjNORS

48% OS

38%


26% DKLMQ

28% DfjKLMQ

28% DKLMQ

20%

28% DfKLMQ

22% l

25% KL

29% DFKLMQ

32% ABDFgJKLMPQR

25% DKL

17%

17%

21%

31% ADFJKLMpQr

31% ABDFgJKLMPQ

R

25% dKL

21%

26% DKLm

33% ABDeFGJKLM

PQR


15% DFGKLMPq

16% DFGIKL

MPq

19% DFGIKLMPQ

11%

17% DFGiKLMPQ

9%

10%

20% ADFGIjKLM

PQ

13% fl

15% DFGKLM

p

11%

8%

11%

16% DFGKLMPq

23% ABDEFGIJKLMNPQR

12%

12%

19% ADFGIJKLM

PQ

20% ABDFGIJKLMn

PQ


7% Fp

7% F

5%

7% f

8% FP

4%

9% cFlP

8% F

6%

6% f

9% abCDFijlP

5%

7% F

7% F

9% ABCdFIJ

lP

5%

7% F

7% F

8% cFp

Statistics: Overlap formulae used - Column Proportions:


Columns Tested (5%): A/B/C/D/E/F/G/H/I/J/K/L/M/N/O/P/Q/R/S, (10%): a/b/c/d/e/f/g/h/i/j/k/l/m/n/o/p/q/r/s Minimum Base: 30 (**), Small Base: 100 (*) Cell Contents: - Column Percentage - Statistical Test Results


Table g51a[{Q51l}].mA - Feeling connected through social media. Is it important to you that you have this in your life? G


GP Mortgage

Underwater

Owner Renter


n

Gen Y

Gen X

Boomer

Pre-boomer

Less Tha

n High Scho

ol

High School

Some Colle

ge

College/grad

School

<$25k

$25-50k

$50-100k

>$100k



17% BNO

14%

16%

17% bN

20% ABHI

NOQRS

25% ABCDeHIJkMNOpQRS

25% ABCDHIJmNOQRS

15%

15%

17% BNO

20% aBiNOqRs

21% BhiNoqrs

19% BiNor

13%

15%

20% aBHINOR

s

15%

15%

15%


34% Kp

35% Kp

36% k

31%

34%

32%

32%

37% dKP

32%

34% kp

29%

32%

33%

36% dKP

33%

30%

38% aDfiKmo

P

33%

35% k


27% dM

27% M

23%

24%

27% M

29% M

23%

29% cdgM

27% M

25% M

24%

24%

20%

30% ACDGJKMq

31% ABCDeGiJKlMQS

28% M

25% m

29% cdgjM

27% M


23% EFHO

25% aEFHNO

25% EFho

27% AEFGHJNOpQ

18%

14%

21% f

19%

26% aEFgHNO

q

23%

EFhO

26% aEFgHNO

q

22% F

28% AEFGHJNOPQ

20% F

21% F

22% eF

21% F

24% EFho

24%

eFho



Table g51a[{Q51m}].mA - Using technology to manage your personal finances online. Is it important to you that you have this in your life? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic

African

American

Gen Y Gen X

Boome

r

Pre-boomer

Less Than High

School

High School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k



34%

DJKMP

36%

aDgJKMPR

39% DGJKMP

R

23%

38% ADGJKMnPqR

40% ADGJKMNPQR

30% DK

44% ABDEGIJKLMN

PQR

36% DgJKMP

29% DKm

21%

34% DKm

25% k

33%

DjKMp

42% ABDGIJKlMNPQR

28% DK

33% DKM

32% DKM

48% ABCDEFGIJKLMN

OPQR


34% DKP

37%

ADKLPs

36% DKP

28%

33% dKP

34% DKP

36% DKlP

33% dKP

36% DKLP

36%

ADKLP

26%

28%

33% dKP

36%

DKlP

36% ADKlP

25%

36% DKlP

40% AbDEfHjKLMnOPS

33% dKP


15%

HOS

14% OS

14%

18% AbEGH

OS

13%

15% s

12%

11%

17% eHOS

16%

hOS

17% egHOS

13%

17% EgHO

S

15% hS

12%

19% ABcEGHlnOS

14%

15% hos

10%


18%

BCFHIORS

13% OS

12%

32% ABCEFGHIJMNOQRS

16% FHIO

S

11%

22% aBCEFHINOqRS

11%

11%

19%

BCFHIORS

36% ABCDEFGHIJLMNO

PQRS

25% ABCEFHIjNOQRS

25% ABCEFHIJNOQRS

16%

bcFHI

OrS

9%

29% ABCEFGHIJNOQRS

16% FHIOS

13% OS

9%



Table g51a[{Q51n}].mA - Owning products that others will admire. Is it important to you that you have this in your life? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwat

er

Owner Renter


n

Gen Y

Gen X

Boomer

Pre-

boomer

Less Than High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k



6% BNORS

3%

6% BNO

S

5% oS

10% ABDHIJNOQ

RS

15% ABCDEHIJKMNOQ

RS

13% ABCDHIJKMNOQ

RS

6% BNOrS

5% BNOS

5% BNOS

7% BdNORS

14% ABCDHIJKMNOQ

RS

8% BDjNORS

3%

3%

12% ABCDHIJKMNOQ

RS

6% BNOS

4%

2%


15% BJOr

13%

14%

15% Jo

16% Jor

16% J

20% ABcIJNO

PR

18%

aBJnOR

14%

12%

16% j

18% bJor

16%

bJr

14%

13%

15%

17% BJOr

12%

15% J


37%

DGjKl

42% ACDeGJKLMnP

35%

29%

37% DG

41% DGjKLmP

29%

41%

DGjKLmP

40%

DGjKLmp

35% Dg

33%

30%

35% Dg

38%

DGk

42% ACDEGJKLMPq

34% d

37% DG

39% DGjKL

41% cDGJKLmp


42% EFH

42% FH

45% EFH

50% ABEFGHIKLMnOP

QRS

37% F

28%

38% F

35% f

41% Fh

48% ABEFGHILMO

PQS

45%

EFgHp

38% F

41% FH

45%

aEFgHpq

42% eFH

39% F

40% F

44% EFgH

42% FH



Table g51a[{Q51o}].mA - Earning many professional awards and/or achievements. Is it important to you that you have this in your life? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High Scho

ol

Some

College

College/gr

ad Schoo

l

<$25k $25-

50k

$50-100k

>$100k



19% BCDJKNORs

15% k

14%

12%

30% ABCDIJKMNOQRS

40% ABCDEgHIJKMNOPQRS

32% ABCDIJKMNOQRS

27% ABCDIJKMNOqR

S

19% BcDKnoR

16% DKr

12%

37% ABCDeHIJKM

NOpQRS

19% bDKR

15% dk

16% DKR

31% ABCDIJKMNOQRS

22% BCDJKNORs

13%

16% Dk


30% DJK

L

30% DJKL

32% DJKL

24%

33% aDJKLMPq

29% JKL

28% JKl

41% ABCDEFGIJKLM

NOPQRS

32% DJKLm

23%

22%

21%

26% k

32% DJKLm

35% ABDFGiJKLMPQ

S

28% dJKL

28% JKl

32% DJKLM

30%

DJKL


28% EFGHlP

33% AdEFGHkLMnoP

q

35% AdEFGHLMP

q

28% EFGHlP

21%

21%

22%

21%

30% EFGHlP

33% ADEFGHLMn

Pq

29% EFGHlP

22%

27% EfhP

29% EFGHlP

31% AEFGHLP

21%

28% EFgHp

30% EFGHLP

33%

AEFGHLmP


23% EFGHiO

p

22% EFgH

O

20% FH


16% FH

10%

18% FH

10%

20% FH

28% ABCEFGHILNOPQrS


20% FH

28% ABCEFGHIlOPQS

24% EFGHiO

18% FH

20% eFH

23% EFHO

24% EFGHIOp

21%

eFHo



Table g51a[{Q51p}].mA - Being connected to a large community of friends, family, and peers. Is it important to you that you have this in your life?


GP Mortgage

Underwater

Owner Renter

Hispanic African

American

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High Schoo

l

Some

College

College/grad School

<$25k

$25-50k

$50-100k

>$100k



49%

bcJ

47%

43%

48%

53%

bCJnq

55% ABCDgiJMNOQR

48%

53%

BCJnqr

49%

45%

51% cj

57% ABCDgiJmNoQR

48%

47%

49% cJ

52% CJ

47%

48%

50% cj


36%

FkLP

39% ADeFGKLP

43% ADEFGhiKLmP

34%

34%

30%

33%

35% l

36% fLp

39% ADEFGKLP

32%

27%

35% lp

39% DEFgKLP

39% ADEFG

KLP

30%

39% deFgKLP

39% DeFgKLP

38% FkLP


10% o

10%

10%

11%

10%

12% or

13% abehjOqR

9%

10%

10%

11%

10%

10%

10%

9%

12% o

9%

9%

10%


4% bFHOS

4% S

4% s

7% ABcEFHINORS

4% S

2%

6% bFHn

OS

3%

4% S

6% aBFHNOS

6% BFHNOS

5% FS

6% aBeFHnOS

4% S

3% S

6% beFHnOS

5% FhoS

4% oS

1%



Table g52a[{Q52a}].mA - I have no debt of any kind. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME


Owner Renter

Hispanic

African America

n

Gen Y

Gen X Boomer

Pre-boomer

Less Tha

n High

School

High School

Some College

College/gra

d Schoo

l

<$25k

$25-50k

$50-100k

>$100k


Yes, it describes my current lifestyle

29%

BCIJOS

16%

19%

50% ABCEFGHIJKLMNOPQ

RS

31%

BCIJOS

30%

BCIS

27% BCI

29% BCIS

19% b

26% BCIS


S

34% BCgIJOr

S

30% BCIS

29%

BCIS

26% BCIS

32%

BCgIJOS

32%

BCIJOS

27% BCIS

21% B

No, it does not describe my current lifestyle

70% DK

83% ADEFGHiJKLMNOPQR

S

80% ADEFgHJKLMNOP

QR

49%

68% DK

70% DK

73% DeKLpq

70% DK

80% ADEFGHJKLMNOP

QR

73% ADeKLPQ

55% D

64% DK

69% DK

70% DK

74% ADEKLmnP

Q

67% DK

66% DK

72% DKl

78% ADEFHJKLMNOPQ

R

Don’t know

1% O

1% gOs

1%

.%

1%

1%

0%

1%

1% gO

1% gO

.%

1%

1%

1% go

.%

1%

1% gO

1% o

.%



Table g52a[{Q52b}].mA - I live within walking distance of my favorite stores and shops. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwat

er

Owner

Renter Hispanic African Americ

an

Gen Y

Gen X

Boomer

Pre-

boomer

Less Than High

School

High School

Some College

College/gra

d School

<$25k $25-50k

$50-100k

>$100k



26% BCORS

20%

20%

24% RS

36% ABCDHIJKMN

ORS

47% ABCDEGHIJKMNOP

QRS

36% ABCDHIJKMN

ORS

26%

BORS

25%

BORS

27% BCnORS

26% BcORS

42% ABCDHIJKMNO

QRS

26% BcoRS

24%

bRS

21% s

39% ABCDHIJKMN

ORS

33% ABCDHIJKMN

ORS

19%

18%


74% EFGLPQ

80% AEFGHIJKLMn

PQ

80% AEFGJkLmPQ

76% EFGLPQ

64% F

53%

64% F

74% EFGLPQ

75% EFGLPQ

73% EFGLPQ

74% EFGLPQ

58%

74% EFGLPQ

76%

aEFGjLPQ

79% AEFGHIJKLmPQ

61% F

67% FL

81% ADEFGHIJKLM

NPQ

82% ADEFGHIJKLMN

oPQ

Don’t know

.%

.%

0%

.%

.%

.%

.%

.%

.%

.%

0%

0%

.%

0%

.% a

.%

0%

.%

.%



Table g52a[{Q52c}].mA - I have access to public transportation. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwat

er


African American

Gen Y Gen X

Boomer

Pre-boomer

Less

Than

High

School

High Scho

ol

Some College

College/gr

ad Scho

ol

<$25k $25-

50k

$50-100k

>$100k



59% BDR

56% D

61% DR

45%

71% ABCDfHIJKlMNOPQ

RS

65% ABDIJKMn

Rs

73% ABCDfHIJKlMNOPQ

RS

64% ABDIJKMnRS

56% D

57% D

56% D

64%

bDijkm

R

55% D

59% Dr

60% BDijk

R

66% ABDIJKMNo

RS

62%

BDijKMR

54% D

58% D


40% EfG

HP

43% AEFGHlOP

Q

39% EG

54% ABCEFGHIJKLMNOPQ

RS

28%

35% Eg

27%

34% EG

43% EFGHoP

q

42% EFGHOP

q

44% aEFGHlOP

Q

36% eg

44% aEFGHloP

Q

40% EGHP

39% EGhp

34% EG

37% EG

46% ACEFGHLNOP

Q

41% EGHP

Don’t know

1% R

1% R

.%

.%

1% r

.%

0%

1% gR

1% r

.% r

.%

0%

.%

1% R

1% R

1%

1% fgR

.%

1% dfgjR



Table g52a[{Q52d}].mA - I own my own business. Does this describe your current lifestyle? G


GP Mortgage

Underwat

er

Owner

Renter Hispanic

African Americ

an

Gen Y

Gen X

Boomer

Pre-boom

er

Less

Than

High

School

High

School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k



18% EGKP

23% AEGHJKLMNP

Q

22% EGKlMnP

Q

20% EGKMnP

Q

10%

19% EGKP

11%

17% EGkP

20%

EGKMPq

20% aEGKMnP

Q

13%

15% P

15% EP

17% EGkP

23% AdEfGHiJKLMNP

Q

9%

15% EP

22% AEGhKlMN

PQ

28% ABcDEFGHIJKLMNOP

QR


82% BjORS

77% S

78% s

80% oS

89% ABCDFHIJMNOQ

RS

81% S

88% ABCDFHIJNO

RS

82% BOrS

80% S

80% bOS

87% ABCDFIJnO

RS

85%

BcdjOR

S

85% BCDiJOR

S

83% BcORS

77% S

90% ABCDFHIJklMNOQ

RS

84% BCDiJOR

S

78% S

72%

Don’t know

.% o

.%

.%

.%

1%

.%

.%

.%

.%

.%

1%

0%

.%

1%

.%

.%

.%

.%

.%



Table g52a[{Q52e}].mA - I save as much money as I can. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic African

American

Gen Y

Gen X Boomer Pre-boomer

Less Than High

School

High Scho

ol

Some College

College/grad School

<$25k

$25-50k

$50-100k

>$100k



71% eFLQ

72% CeFIk

LQ

67%

75% ACEFhIKLNpQ

67%

63%

71% fl

70% Fl

68%

75% AbCEFhIKLNopQr

68%

62%

75% aCEFIKLQ

71% FL

73% aCEFIK

LQ

71% FL

67%

71% FL

73%

ceFikLq


28% DJmo

27% j

33% BDJM

Os

25%

32% abDJMO

36% ABDgHiJMNOPRS

29%

29%

31% bDJMo

24%

32% abDJMOs

37% ABDghJ

MnOPRS

25%

29% dJ

27% j

29% j

32% abDJMO

28% j

27%

Don’t know

1% Jko

.% j

0%

.%

1% Jk

1% Jk

.%

1%

1% ABCDJKNOpS

.%

0%

1% j

1% jk

.%

.%

.%

1% DJKo

1% Jk

.%



Table g52a[{Q52f}].mA - I live close to my family. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African

American

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k



68% ELOp

70% aEiKL

OP

67% l

72% AEFgIKL

OPqS

62%

65% l

66% l

69% ELop

66% l

69% EkLOP

64%

58%

71% EfiKLOP

73% AEFGIjKLOPQS

65% l

64%

67% L

72% AEFgIKL

OPqs

66% l


32% bDNR

30%

33%

28%

38% ABDHJMNR

35% DmN

R

34% dNr

31%

33% dNR

30%

35% BDMN

R

42% ABcDfgHiJ

MNqRs

29%

27%

35% ABDJM

NR

36% aBDJMNR

33% dNr

27%

34% bDN

R

Don’t know

.%

.%

.%

.%

.%

1% h

.%

0%

1% ehm

.%

1% m

1%

.%

.%

.% h

.%

.%

.% h

.%



Table g52a[{Q52g}].mA - I live in the best school district. Does this describe your current lifestyle? G


GP

Mortgage

Underwater


African

American

Gen Y Gen X Boomer

Pre-boome

r

Less

Than

High

School

High

School

Some College

College/grad

School

<$25k

$25-

50k

$50-100k

>$100k



49% EH

52% AEHmNpQr

50% Eh

54% AEgHMNPQR

42%

52% EHq

47%

42%

53% aEHmNpQr

52% AEHmNpQ

51% EHq

54% EHpq

47%

47% e

50% EHq

47% e

45%

48% Eh

54% AEgHMNopQr


44% DJK

42%

45%

39%

51% ABDFIJKLOpS

42%

46% D

52% ABcDFIJKLnOPRS

43%

41%

40%

40%

47%

bDJKs

46% DJK

43% D

46%

Djk

47%

bDJKls

46% DJk

41%

Don’t know

7% BIs

5%

5%

8% bIS

8% I

6%

7%

5%

4%

8% BIS

10% ABCHIMORS

7%

6%

7% I

7% BIS

7% i

8% I

6%

5%



Table g52a[{Q52h}].mA - My actions and lifestyle have a minimal impact on the environment. Does this describe your current lifestyle? G


GP

Mortgage

Underwater

Owner

Renter

Hispanic African

American

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k



68% FoP

70% FOP

70% FP

72% AEFhKLOPS

65% f

59%

68% fP

66% f

68% Fp

72% AEFhkLOPS

67% fp

63%

70%

eFP

71% EFlP

67% Fp

61%

71% EFloP

72% AEFHikLOPs

67% f


29% DJr

28%

29%

26%

33% abDJ

mnQR

38% ABCDIJK

MNOQRS

31% d

32% DjR

29%

27%

30% D

32%

28%

28%

31% ABDJR

35% ABDiJMN

QR

27%

26%

30% dj

Don’t know

2%

3% Cgnr

1%

2%

2%

3% c

1%

2%

3% CGNqR

2%

3% cgN

r

5% aCdEGhJmNoQR

2%

1%

2%

4% ACDEGHJMNoQR

2%

2%

3% cg



Table g52a[{Q52i}].mA - I have the latest technology. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X

Boomer

Pre-boomer

Less Tha

n High Scho

ol

High School

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k



41%

DFKlMP

45% ADEFJKLM

Pq

53% ABDEFIJKLMnPQR

38% KmP

39% fkM

P

33%

51% AbDEFIJKLMP

QR

46% aDEFjKLM

Pq

44% dFKLMP

40% FKMP

33%

35%

32%

45% ADEFJKLM

Pq

50% ABDEFIJKLMP

QR

30%

40% FKMP

43% DFKl

MP

58% ABDEFHIJKLMNO

PQR


57%

BCGhNOS

54% CgOS

47%

61% ABC

GHiNOrS

60% BCGHNOS

66% ABCeGHIJNOQRS

48% s

53% S

56% CGOS

58% BCGNOS

66% ABCDeGHIJNO

QRS

64% BCGHiNOrS

67% ABCDEGHIJNO

QRS

54% cS

49% S

69% ABCDEGHIJNO

QRS

59% bCGnOS

56% CGOS

41%

Don’t know

1%

1%

.%

1%

1%

2%

1%

1%

1%

2% abr

1%

2%

1%

1%

1%

1%

1%

1%

1%



Table g52a[{Q52j}].mA - I plan to live in my home for the rest of my life. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgag

e

Underwater


African

American

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High Schoo

l

Some Colleg

e

College/gra

d Schoo

l

<$25k

$25-50k

$50-100k

>$100k



48% EgHINOS

53% AEGHINORS

52% EgHINOS


28% H

52% EGHINO

S

43% EH

22%

42% EH

57% ABEGHINOPQRS

84% ABCDEF

GHIJLMNOPQRS

61% AbcEFGHINOPQRS

58% AbEGHINOPQRS

40% EH

40% EH

51% EGHINOS

48% EHINOS

49% EHINOS

39% EH


50% BDFJKLM

45% DJKL

M

47% DJKL

M

25% K

70% ABCDFGIJKLMNOPQRS

44% DKl

56% aBcDFJKL

MPqr

77% ABCDEFGIJKLMNOPQRS

55% ABCDFJKLMPQ

R

41% DK

14%

36% DK

39% DK

59% ABCDFJKLMPQ

R

58% ABCDFJKLMPQ

R

46% DJKLM

49% DJKLM

49% BDJKLM

60% ABCDFiJKL

MPQR

Don’t know

2% OS

2% OS

1%

2%

2%

4% AcDeHNOrS

2%

1%

3% chnO

S

2% OS

2% s

4% hS

3% S

2%

1% s

2% s

3% hnOS

2%

1%



Table g52a[{Q52k}].mA - I pay off my credit card balance every month. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African Americ

an

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High Scho

ol

High

School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k



56% EfGILMnPQ

55% EGil

P

52% Gp

74% ABCEFGHIJKLMNOP

QRs

45%

50% gp

43%

55% EGP

51% eGp

56%

EGlmPq

65% ABCEFGHIJLMN

PQR

48%

51% eGP

52% EGP

68% ABCEFGHIJLMN

PQR

44%

50% eG

59% bcEFGILMN

PQ

69% ABCEFGHIJLMN

PQR


40% DKO

S

42% DK

ORS

43% DKO

S

21%

50% ABcDHJKMNO

qRS

46%

ADjKORS

52% ABCDHJKMNOq

RS

41% DKOS

46% AbDjKORS

40% DKOS

32% D

50% AbDhJKnO

RS

44% aDKORS

41% DKO

S

30% D

51% ABcDHJKMNORS

45% aDKORS

37% DKOS

28% D

Don’t know

4% bOs

3% O

5% bOs

5% O

5% O

4% O

5% bOs

5% Os

3% O

4% O

4% O

2%

5% bOs

6% ABfIJKlORS

1%

5% blOs

5% O

4% O

3% O



Table g52a[{Q52l}].mA - I feel connected through social media. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgag

e

Underwat

er

Owner

Renter

Hispanic

African America

n

Gen Y Gen X

Boomer

Pre-boom

er

Less Than High

School

High School

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k



53%

DFJKLmP

54% DFJKLm

P

53% dFkL

P

46%

56%

DFJKLMP

44%

62% ABCDeFIJKLMP

QR

63% ABCDEFIJKLMnP

QR

53% DFkLP

48%

46%

41%

49%

57% ADFJKLMPq

60% ABCDFIJKLMP

QR

44%

52% dFkLP

53% DFJKLP

63% ABCDeFIJKLMnP

QR


46%

GHNOS

46% GHOS

47% GHO

S

52% ABEGHINO

RS

43%

gHs

55% ABcEGHINOq

RS

37%

37%

46% GH

OS

51% ABEGHNO

RS

52% ABEGHiNO

RS

57% ABCEGHINOQ

RS

50% aEGHNOS

42% hs

40%

55% ABcEGHINOq

RS

48%

GHnOS

46%

GHOS

37%

Don’t know

1% hOs

1% O

.%

1% HOS

1% h

2% cHOs

1%

.%

1% cHOS

1% Os

2% abcHNOS

2% Ho

1% Ho

1%

.%

1% Ho

1%

1% hO

.%



Table g52a[{Q52m}].mA - I use technology to manage my personal finances online. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Rente

r

Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boome

r

Less Than High

School

High Scho

ol

Some

College

College/grad

School

<$25k $25-

50k

$50-100k

>$100k



58% DFGJKLMP

68% ADEFGJKLMnP

Q

67% ADEFGJKLMPQ

41% Klp

57% DFGKLMP

46% dKLP

46% KLP

73% ABDEFGiJKL

MNPQr

67% ADEFGJKLMPQ

53% DFGKLM

P

33%

32%

46% dKLP

64% ADEFGJKLMPQ

78% ABCDEFGHIJKL

MNPQR

35%

56% DFGKLMP

68% ADEFGJKLMPQ

79% ABCDEFGHIJKL

MNPQR


41% BCHINORS

32% HOS

32% OS

59% ABCEfHIJmNOQRS

42% BCHINORS

52% ABCEHIjNOQR

S

54% ABCEHIJNOQR

S

27% OS

32% hOS

46% ABCeHI

NORS

66% ABCDEFGHIJMNOQRS

68% ABCDEFGHIJMNOQRS

53% ABCEHIJNOQR

S

36% HOS

22%

64% ABCdEFGHIJMNOQRS

43% BCHINORS

32% hOS

21%

Don’t know

1% BO

.%

.%

1% bos

1% b

1% Bs

1% b

.%

.%

1% B

1% Bs

.%

1% b

.%

.%

1%

1% Bo

.%

.%



Table g52a[{Q52n}].mA - I own products that others admire. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgag

e

Underwater

Owner

Rente

r

Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boom

er

Less Than High

School

High Schoo

l

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k



40%

FJKLMPQ

40% FJKLMPq

42% FJkLmPq

38% FLP

42%

FJKLMPQ

30%

48% ABDeFIJKLMPQ

51% ABCDEFIJKLMN

PQR

38% FLP

35% p

34%

29%

34%

44% abDFIJKL

MPQ

49% ABCDEFIJKLMnPQR

30%

35%

45% ABDFIJKL

MPQ

53% ABCDEFIJKLMNO

PQR


56%

GHORS

55% gHO

S

54% OS

58% GHORS

57%

GHOS

67% ABCDEGHIKNOqRS

49% s

47%

57% GHO

S

62% ABCdEGHiN

ORS

59% GHnO

RS

66% ABCdEGHiN

ORS

62% ABCdeGHiNORS

53% hOS

48% S

67% ABCDEGHIjKNOqRS

61% abGHNORS

52% OS

42%

Don’t know

4% EH

5% AEHJNOpR

4% eH

5% EHnpr

2%

3%

3%

1%

5% AEfgHjNOPR

3% Eh

7% AdEFGHJMNOPR

6% EfHnP

r

3% eh

3%

3% EH

3%

4% EH

3%

5% EH



Table g52a[{Q52o}].mA - I have earned many professional awards and/or achievements. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgag

e

Underwat

er

Owner

Renter

Hispanic

African American

Gen Y

Gen X

Boomer

Pre-

boomer

Less Than High

School

High School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k



39% FjLMPq

40% FJLMPQ

39% FLM

P

39% FLMP

37% FLMP

29% L

43% eFJLMPQ

42%

EFjLMPQ

39% FLMP

36% FLM

P

37% FL

MP

20%

31% LP

40% FjLMPq

54% ABCDEFGHIJKLMN

PQR

25%

35% fLP

46% ABcDEFIJKLMN

PQ

54% ABCDEFGHIJKLMN

PQR


61%

ORS

59% ORS

60% OrS

60%

ORS

63%

GHORS

70% ABCDEGHIJKN

ORS

56% OS

57% OS

59%

ORS

63% aBGhnORS

62% gORS

79% ABCDEFGHIJKMNO

QRS

69% ABCDEGHIJKN

ORS

59%

ORS

45%

75% ABCDEfGHIJKMNO

QRS

65% BGHn

ORS

53% OS

46%

Don’t know

1% p

1% p

1%

1% p

.%

1% hmP

1% p

.%

1% aehMP

1% p

1%

1%

.%

1% P

1% p

.%

1%

1% hmp

1%



Table g52a[{Q52p}].mA - I am connected to a large community of friends, family, and peers. Does this describe your current lifestyle? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgag

e

Underwat

er

Owner

Renter


Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some Colleg

e

College/grad

School

<$25k $25-

50k

$50-100k

>$100k



73%

FJKLMPq

74% FjKLmPq

74% FLP

73% FKLP

73% FLP

61%

72% FLp

79% ABDEFGiJKLM

PQ

73% FLP

71% FLP

68% Fl

59%

69% FL

77% AdeFgJKLM

PQ

81% ABCDEFGIJKLMn

PQ

66%

69% FL

79% ABDEFGIJKLM

PQ

80% ABCDEFGIJKLM

PQ


26%

HNORS

25% hOR

S

25% OS

27% HnORS

27% HnORS

38% ABCDEGHIJkMNO

QRS

28% Hn

ORS

21%

26% ORS

28% aBHNORS

31% ABDHiNO

RS

39% ABCDEGHIJkmNO

QRS

30% ABHNORS

23% o

19%

34% ABCDEgHIJNO

RS

30% bHNORS

21%

19%

Don’t know

1% hO

1% aHnOp

1% H

.%

.%

1% eHoP

.%

0%

1% aEgHNOP

1% hOp

.%

1% eHP

1%

.%

.%

.%

1% h

1% Ho

1% Ho



Table q70 - How did you decide how much to spend on your home? Please tell me all that apply. READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter


an

Gen Y Gen X Boomer

Pre-boom

er


High School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


You calculated it yourself

69% bFGLpQ

67% gLQ

66% l

73% ABcFGIJLP

Q

0%

62%

60%

73% FGLpQ

66% l

68% gLQ

72% bFGiL

PQ

54% *

70% FGLpQ

69%

fGLQ

74% ABCFGIJLnPQ

63%

60%

72% aBcFGIJLP

Q

76% ABCFGIJLN

PQ

Your mortgage lender advised you what you could afford

38% DKP

46% ADJK

MNOPQR

48% ADJK

MNOPQR

20%

0%

42% DjKP

41% DKP

46% ADJKMNo

PR

48% ADJKMN

OPQR

36% DKp

25% D

39% DKp*

36% DK

37% DKp

39% DKP

30% D

38% DKp

38% DKp

43% ADJK

MnOP

Your realtor helped you decide

27% DK

31% ADJK

MnORS

31% aDJKM

r

18%

0%

36% ADiJKMN

OpRS

35% ADJKMNoRS

36% ADJKMNO

pRS

29% DKm

25% D

20%

32% DK*

23% D

27% DK

28% DJK

28% DK

30% DjKm

26% Dk

26% Dk



age Underwater

Owner

Renter


an

Gen Y Gen X Boomer

Pre-boom

er


High School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S You took advice from friends, family or co-workers

28% JK

29% JKn

27% K

25% K

0%

26% K

29% K

46% ABCDFGIJKLMNOPQ

RS

31% dJKN

24% K

18%

23% *

27% K

25% K

32% ABcDfJKlNQ

RS

35% AcDFJKLMN

qs

26% K

28% jK

27% K

You talked to a financial advisor

19% DKm

23% ADJKMNO

QR

24% aDJKM

nqr

11%

0%

27% ADJKMN

opQR

29% AbDJKMNOP

QR

29% AbDJKMN

OpQR

25% ADJKMN

QR

18% DK

10%

25% DKm*

16% DK

18% DK

21% ADJK

M

21% DK

18% DK

19% DK

23% ADJKMn

You talked to a mortgage counselor

20% DK

25% ADJK

MNOR

24% DKnr

11%

0%

35% ABCDHJKMNOPQ

RS

28% ADhJKMNOP

R

20% DK

30% ABcDHJKMNOPQ

RS

20% DK

12%

28% DKnr*

19% DK

18% DK

20% DK

20% DK

22% DK

19% DK

23% DKn

Other VOL

3%

3%

3%

2%

0%

6% ABcDhJKMNQR

5% AbDJKMNQR

2%

4% AbdKMN

QR

2%

2%

4% *

1%

2%

3% ADjKm

qR

4% aDjKM

nqr

1%

2%

4% km

Don’t know VOL

5% BOr

4%

4%

7% ABcfhIJORs

0%

4%

8% Bcfhio

R

3%

4%

5%

8% ABCF

HIJmORS

6% *

5%

6% bR

4%

8% BFhio

R

7% bfhor

4%

4%



age Underwater

Owner

Renter


an

Gen Y Gen X Boomer

Pre-boom

er


High School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


1% ors

1%

1%

2% iORS

0%

1%

1%

1%

.%

2% rs

2% bioRS

2% *

1%

1%

1%

2% Irs

2%

1%

1%



Table q70b - How did you make the calculation? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic

African

American

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High Scho

ol

Some College

College/grad School

<$25k $25-50k

$50-

100k

>$100k


In your head or on paper

52% BCHIO

S

43% hiS

40%

68% ABCFGHIJMN

ORS

0%

46% hS

50% HIS*

35%

38%

53% BCHIOS

74% ABCDFGHIJlMNOPRS

61% BCfHIOS*

60% ABCFgHIjORS

53% BCHIOS

43% hS

64% ABCFGHIJNORS

67% ABCFGHIJNORS

51% BCHIOS

36%

Using an online tool or application

12%

DJKLMPQ

17% ADFGJKLMNPQR

19% ADFGJKLMNPQr

3%

0%

9% DKLP

10% DKLP*

21% ADFGJKLMNPQR

23% ABDFGJKLMN

PQR

9% DKLP

3%

0% *

8% DKlP

13%

DjKLmPq

20% ABDFGJKLMN

PQR

3%

7% DKl

13%

DJKLMPq

22% ABDFGJKLMN

PQR

Using a spreadsheet program or basic calculator

29% DKQ

33% ADKMnPQr

35% aDKMnPQ

20% K

0%

33% DKmpQ

29% DKq*

37% ADKMnPQr

31% DKQ

33%

ADKMPQ

13%

24% k*

25% K

28% DKQ

32% ADKM

pQ

24% K

20% K

29% DKQ

35% ADKMnPQ

Other VOL

5% bJo

4%

4%

7% abJOq

0%

5%

10% ABCIJmnOpQR*

6%

4%

3%

7% aBJOQr

7% *

5%

5% j

4%

4%

3%

4%

6% BJO

Don’t know VOL

2% NOS

2% nOS

2%

3% hNOS

0%

6% ABCDgHJNORS

1% *

.%

3% hNOS

2% nOS

3% hNOS

9% ABCDgHJNORS*

3% hnO

S

1%

1%

5% ABHjNOrS

3% hnos

2%

1%


Table q70e - Do you plan on buying any big household items, such as furniture, major appliances, or a TV in the next twelve months? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgag

e

Underwat

er

Owner Renter

Hispanic

African American

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k


Yes

33% DJKLP

35% aDfJKLP

33% dKl

25% K

34% DKLP

29% K

52% ABCDEFHIJKLMNOP

QRS

42% ABCDEFJKLMNoP

QR

39% ABcDeFJKLMN

PQ

30% DK

16%

24% K

32% DKlp

34% DjKLP

37% ABDFJKLmPQ

27% K

32% DK

l

35% DfJKLP

43% ABCDEFJKLMNOP

QR

No

66% bGHIOS

64% GHiOS

65% GhS

74% ABCEGHIJMNOQ

RS

65% GHiS

70% BGHIOrS

48%

58% G

60% G

69% ABGHInO

RS

83% ABCDEFGHIJLMNOP

QRS

75% ABCEGHINOq

RS

68% GHIOS

65%

GHiS

61% GS

72% ABcEGHINORS

67% GHIOS

64% GHS

57% G

Don’t know VOL

1% m

1%

2% ABeFhiMp

s

1% M

1%

.%

1%

1%

1%

1% M

1% M

1%

.%

1%

1% AfM

1%

1%

1% m

1%



Table q70f - Do you plan on making improvements to your home in the next twelve months? This includes remodeling, additions, and major replacements to your property, though excludes maintenance and repair work.


GP Mortgage

Underwater

Owner Renter

Hispanic

African America

n

Gen Y Gen X

Boomer

Pre-boomer Less

Than

High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Yes

42%

DKp

44% aDKP

46% dKp

38% K

0%

40% K

48% DKmP

56% ABCDFiJKLMNOPQR

47% aDfKmP

42% dK

27%

38% k*

40% K

43% dK

46% ADfJK

mP

37% K

42% K

44% DKp

49% ABDFJKlMnP

No 57%

bgHiOS

55% HS

54% H

61% AbcGHIjnOrS

0%

60% GHioS

50%

44%

53% h

56% HoS

72% ABCDFGHIJlMNOPQRS

62%

gHs*

60%

GHioS

56% Hs

53% H

63% bcGHIjnOrS

57% H

55% H

50%

Don’t know VOL

1%

1%

.%

1% kr

0%

.%

3% ABCFHIKlMORs

0%

1%

1% aBo

R

.%

0% *

.%

1% br

1%

1%

1%

.%

1%



Table q70g - Approximately how much do you expect to spend on these improvements? READ CHOICES G


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African

American

Gen Y

Gen X Boomer

Pre-boomer

Less

Than

High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Less than $5,000

35% jOS

35% OS

36% S*

37% OS

0%

42% jOS*

35% S*

35% S*

37% OS

32% S

44% abJnOS*

45% **

43%

JOS*

33% S

30% S

64% ABCDFGHIJKMNOqRS*

46% ABdJNOS*

38% OS

17%

$5,000-$10,000

37% kP

38% ikOP

42% ikP*

33% p

0%

38% P*

37% P*

45%

diKoP*

32%

38% P

29% *

20% **

39% P*

42%

dIKP

36% P

23% *

39% P*

38% P

42% dIKOP

$10,000-$25,000

17% PQ

17% PQ

14% *

17% PQ

0%

13% *

16% p*

11% *

23% abCFHKMnPQ

19% mPQ

12% *

26% **

12% *

16% pq

20% ABcfHKmPQ

7% *

9% *

19% PQ

26% ABCdFgHJKMNOPQ

$25,000-$50,000

5% P

6% p

6% p*

4% p

0%

2% *

6% P*

5% *

5% p

6% P

4% p*

3% **

3% *

5% p

7% ABdFm

Pq

0% *

3% *

5% p

8% adFmP

More than $50,000

3% R

2% R

.% *

4% cg

mQR

0%

4% CQR

*

1% *

2% *

2% R

3% cqR

3% qR*

4% **

1% *

2% r

5% ABCGimQR

3% r*

.% *

.%

7% ABCGhIJM

NoQR

Don’t know VOL

2%

2%

2% *

4% abJRs

0%

1% *

5% BjRS

*

1% *

2%

2%

7% ABcFHiJmNORS*

2% **

3% *

2%

3% Brs

4% *

3% *

1%

1%



Table q70h - Have you made any improvements to your home in the last twelve months? This includes remodeling, additions, and major replacements to your property, though excludes maintenance and repair work.


GP Mortgage

Underwater

Owner

Renter

Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boomer

Less

Than

High

School

High Scho

ol

Some Colle

ge

College/grad

School

<$25k $25-50k

$50-

100k

>$100k


Yes

49% dfKP

51% dFKm

P

54% dFKmP

q

46% p

0%

43%

53% dfKm

P

58% AbDFIjKL

MoPQ

48% P

49% fKP

42%

44% *

45%

53% aDFKmPQ

51% ADFKm

P

39%

46%

52% DFKmP

56% ABDFIJKlMOPQ

No 51% HnOS

49% hS

46%

54% acgHNORS

0%

57% aBCgHjNORS

46%

42%

52% HS

50% hS

57% ABCGHJ

NORS

56%

Hs*

55% bcgHnorS

47%

49% hS

61% ABCdGHI

JNORS

54% cHNS

48%

44%

Don’t know VOL

.%

.%

0%

.%

0%

0%

1%

0%

.%

.%

.%

0% *

.%

.%

.%

0%

0%

.%

.%



Table q70i - Approximately how much did you spend on these improvements? READ CHOICES G


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boomer

Less

Than

High

School

High

School

Some College

College/grad

School

<$25k $25-50k $50-100k

>$100k


Less than $5,000

43% JOS

43% cJOS

36% s

40% S

0%

50% CdJO

S*

44% S*

49%

cJOS*

49% aCdJOrS

36% S

44% oS

53% cjoS*

48%

cJOS

42% jS

37% S

64% ABCDFGhIJK

MNORS*

61% ABCDGiJKMNORS*

42% S

27%

$5,000-$10,000

28% KQ

28% KQ

34% fIKmQ

28% KQ

0%

23% *

33% KQ*

33% kQ*

25%

31% KQ

21%

26% *

24%

30% KQ

31% ABIKQ

26% *

17% *

31% iKQ

32% fiKQ

$10,000-$25,000

20% OP

20% OP

19% P

19% P

0%

18% P*

18% P*

14% *

18% P

20% oP

26% ADHOPq

21% P*

20% P

20% P

17% P

6% *

17% P*

21% oP

25% AbdHiOP

$25,000-$50,000

5%

5%

6% f

6% f

0%

2% *

3% *

2% *

6%

7% f

5%

0% *

5%

4%

8% ABFgHl

npR

3% *

4% *

4%

7% bFhl

More than $50,000

3% mR

3%

2%

5% abgMpqR

0%

4% m*

1% *

2% *

2%

4% BMR

3% m

0% *

1%

3%

6% ABcGhIMpQR

1% *

1% *

1%

7% ABCGhIkMnpQR

Don’t know VOL

1%

1%

1%

2%

0%

3% q*

2% *

.% *

1%

1%

2%

0% *

2%

1%

1%

.% *

.% *

1%

1%



Table q71b - Have you ever refinanced the mortgage on your current home? G


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African Americ

an

Gen Y Gen X

Boomer Pre-boomer

Less

Than

High

School

High

School

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Yes

52% GHP

52% GHP

53% gHP

0%

0%

48% Hp

42% *

35%

55%

GHPq

59% ABcFGHM

NOPQR

52% HP

56% HP*

49% Hp

51% HP

54% ABGHP

q

37% *

46%

53% G

HP

59% ABcFGHMNOPQ

No 47% JOS

47% JOS

47% Js

0%

0%

51% JS

57% ABcIJnORS*

64% ABCFIJKLMNOqRS

44%

40%

48%

44% *

51% JS

48% Js

45% JS

63% ABCfIJKLm

NORS*

53% iJoS

47% J

40%

Don’t know VOL

1%

1%

0%

0%

0%

1%

1% *

1%

1% c

.%

.%

0% *

.%

1% c

.%

0% *

1% c

.%

.%



Table q71c - What was the most recent year you refinanced your mortgage? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Rente

r

Hispanic

African Americ

an

Gen Y Gen X

Boomer

Pre-boome

r

Less Tha

n High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-

100k

>$100k


1900 .%

.%

0%

0%

0%

0% *

0% *

0% *

0%

.%

0% *

0% **

0% *

0%

.%

0% *

0% *

.%

0%

1990 .% O

.% O

1%

0%

0%

0% *

0% *

0% *

0%

1% O

0% *

0% **

0% *

1% abo

0%

0% *

0% *

1% O

0%

1991 .% O

.% O

0%

0%

0%

2% abcJOr

s*

0% *

0% *

1% o

0%

0% *

0% **

1% *

0%

0%

0% *

1% *

0%

0%

1992 .%

.%

0%

0%

0%

0% *

0% *

0% *

0%

.%

0% *

0% **

0% *

0%

.% AB

0% *

0% *

0%

1%

1993 .%

.%

0%

0%

0%

1% *

0% *

0% *

0%

.%

0% *

0% **

.% *

0%

0%

1% ab*

0% *

0%

0%

1994 .%

.%

.%

0%

0%

1% *

0% *

0% *

.%

0%

0% *

0% **

0% *

.%

.%

.% *

1% *

0%

0%

1995 .%

.%

0%

0%

0%

0% *

0% *

0% *

0%

0%

.% *

0% **

0% *

0%

.%

1% *

0% *

0%

0%

1997 1% inOR

1% inOR

1%

0%

0%

.% *

0% *

0% *

0%

2% nOR

s

4% ABINO

RS*

6% **

2% ir*

0%

.%

0% *

5% ABcfhINORS*

0%

.%

1998 1% O

1% O

1%

0%

0%

1% *

3% IO*

0% *

0%

1% o

3% abIOs*

0% **

2% *

2% io

.%

3% IO*

1% *

1%

1%

1999 .%

.%

.%

0%

0%

.% *

0% *

0% *

0%

.%

1% *

0% **

0% *

.%

.%

.% *

0% *

.%

.%

2000 1% iOs

1% iOs

1%

0%

0%

0% *

1% *

0% *

0%

2% os

4% ABCfhInOS*

0% **

4% abcIoS*

1%

1%

0% *

3% Is*

2% Io

.%

2001 1%

1%

1%

0%

0%

.% *

2% m*

0% *

.%

1%

1% *

0% **

0% *

1%

1% ab

0% *

1% *

1%

1%

2002 5% chIOs

5% chIO

s

3%

0%

0%

11% ABCHIOS*

12% ABCHIO

S*

0% *

1%

7% abCHIO

S

13% ABCHImnOrS

*

7% **

6% hI*

6% cHI

4% hI

6% Hi*

8% cHI*

6% cHI

3%

2003 2%

2%

3% j

0%

0%

3% *

0% *

0% *

4%

1%

5% abhJs*

0% **

3% *

3%

2%

2% *

5% j*

2%

2%

2004 3%

3%

3%

0%

0%

2% *

4% h*

0% *

3%

4%

5% h*

0% **

5% h*

3%

3%

5% h*

1% *

4%

3%



gage Underwater

Owner

Rente

r

Hispanic

African Americ

an

Gen Y Gen X

Boomer

Pre-boome

r

Less Tha

n High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-

100k

>$100k


2005 5% O

5% O

5%

0%

0%

11% ABcIMnORS*

3% *

4% *

4%

6% O

5% *

14% **

3% *

5%

3%

7% *

11% ABiMO

rs*

4%

4%

2006 4% hO

4% hO

6% Ho

0%

0%

6% h*

1% *

0% *

3%

5% hO

7% H*

5% **

4% *

6% H

3%

9% Hio*

4% *

4% h

4%

2007 5% S

5% S

10% ABgIJOrS

0%

0%

9% iS*

2% *

6% s*

3%

5% S

6% S*

3% **

5% s*

6% S

4% S

18% ABGhIJkMNOqRS

*

6% *

5% s

2%

2008 4%

4%

2%

0%

0%

5% *

12% ABCHijKNORS

*

1% *

5%

5% c

1% *

4% **

6% k*

4%

4%

4% *

5% *

4%

3%

2009 10% g

10% g

10%

0%

0%

10% *

3% *

8% *

13% Gko

r

10%

5% *

10% **

13% gk*

9%

9%

9% *

7% *

8%

13% abGK

Or

2010 16%

16%

15%

0%

0%

18% *

13% *

21% *

20%

14%

11% *

9% **

13% *

15%

20% ABcJK

11% *

14% *

18% j

17%

2011 12% m

12% m

12%

0%

0%

9% *

9% *

16% M*

14% m

12%

7% *

17% **

6% *

13%

15% ABkM

R

7% *

15% m*

10%

15% kM

2012 23% FJQ

23% FJQ

21% FQ

0%

0%

11% *

28% FpQ*

36% ABCFJKMNPQr

*

28% FJk

npQ

18% Q

17% q*

20% **

21% fQ*

21% fQ

27% ABFJk

pQ

13% *

8% *

25% FJQ

30% ABCFJKNpQ

Don’t Know VOL

4% iO

4% iO

6% fI

0%

0%

1% *

8% FIos*

7% fi*

2%

5% fio

5% *

5% **

6% fi*

4%

3%

4% *

6% fi*

4%

3%

Mean

2008.28

2008.28

2008.37

0

0

2007.01

2008.17

2010.40

2009.31

2007.54

2006.20

2007.95

2007.59

2008.04

2008.86

2007.06

2006.65

2008.22

2009.26



gage Underwater

Owner

Rente

r

Hispanic

African Americ

an

Gen Y Gen X

Boomer

Pre-boome

r

Less Tha

n High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-

100k

>$100k


Standard Deviation

4.80

4.80

3.82

0

0

4.36

4.14

1.88

3.26

5.77

4.72

4.16

4.47

4.21

5.51

4.06

4.72

5.99

3.38



Table q71d - What year did you get your original first mortgage on your CURRENT home? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Rente

r

Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boomer

Less Tha

n High

School

High School

Some

College

College/grad School

<$25k $25-50k

$50-

100k

>$100k


1903 .%

.%

0% *

0%

0%

0% *

0% *

0% *

0%

1%

0% *

0% **

0% *

0%

1% AB

0% *

0% *

0%

1%

1940 .%

.%

0% *

0%

0%

0% *

0% *

0% *

0%

.%

0% *

0% **

.% *

0%

0%

0% *

0% *

.%

0%

1962 1% O

1% O

0% *

0%

0%

0% *

0% *

0% *

0%

0%

5% ABCfHIJ

MNOQRS*

6% **

0% *

0%

0%

5% ABCFgHIJMNOqRS

*

0% *

0%

0%

1964 1% jO

1% jO

3% abiJnOR*

0%

0%

0% *

0% *

0% *

0%

0%

6% ABFgHIJMNOpRS

*

8% **

0% *

0%

0%

0% *

3% abiJNOr*

0%

0%

1968 .% o

.% o

1% *

0%

0%

0% *

0% *

0% *

0%

1%

0% *

0% **

0% *

1%

0%

0% *

0% *

0%

0%

1972 .%

.%

0% *

0%

0%

0% *

0% *

0% *

.%

0%

0% *

0% **

0% *

0%

.%

0% *

0% *

.%

0%

1975 .% O

.% O

0% *

0%

0%

0% *

0% *

0% *

0%

0%

3% ABciJmO

s*

0% **

0% *

1% j

0%

0% *

0% *

1% O

0%

1976 .% o

.% o

0% *

0%

0%

0% *

0% *

0% *

0%

0%

2% abo*

0% **

1% *

0%

0%

0% *

0% *

1%

0%

1977 .%

.%

0% *

0%

0%

0% *

0% *

0% *

0%

.%

0% *

0% **

0% *

0%

.%

0% *

0% *

0%

0%

1978 .%

.%

0% *

0%

0%

0% *

0% *

0% *

0%

.%

1% *

0% **

0% *

0%

1% AB

0% *

1% *

0%

0%

1979 .%

.%

0% *

0%

0%

0% *

0% *

0% *

0%

.%

0% *

0% **

0% *

0%

.%

0% *

0% *

0%

0%

1980 .%

.%

1% *

0%

0%

0% *

2% abr*

0% *

0%

.%

.% *

0% **

0% *

1%

.%

1% *

0% *

0%

0%

1981 .% o

.% o

0% *

0%

0%

0% *

0% *

0% *

0%

1% o

0% *

0% **

1% *

0%

0%

0% *

0% *

1% o

0%

1982 1% O

1% O

.% *

0%

0%

1% *

2% io*

0% *

0%

1% O

1% *

0% **

2% *

1%

.%

2% *

0% *

.%

0%

1984 .%

.%

0% *

0%

0%

.% *

0% *

0% *

0%

.%

0% *

0% **

0% *

0%

.%

0% *

0% *

0%

.%



gage Underwater

Owner

Rente

r

Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boomer

Less Tha

n High

School

High School

Some

College

College/grad School

<$25k $25-50k

$50-

100k

>$100k


1985 1%

1%

0% *

0%

0%

0% *

0% *

0% *

0%

1%

2% r*

0% **

1% *

1%

.%

0% *

0% *

0%

0%

1986 .%

.%

0% *

0%

0%

2% ab*

0% *

0% *

0%

1%

1% *

0% **

.% *

.%

.%

0% *

0% *

1%

0%

1987 .% O

.% O

0% *

0%

0%

.% *

0% *

0% *

0%

.%

2% abor*

0% **

1% *

.%

0%

.% *

1% *

0%

0%

1988 .%

.%

.% *

0%

0%

.% *

1% *

0% *

0%

1%

0% *

0% **

0% *

0%

1%

1% *

0% *

.%

0%

1989 .%

.%

.% *

0%

0%

0% *

0% *

0% *

1%

.%

0% *

0% **

0% *

1%

.%

.% *

0% *

1%

.%

1990 1%

1%

.% *

0%

0%

1% *

1% *

.% *

.%

2% ab

.% *

0% **

2% *

.%

1%

2% *

0% *

2%

1%

1991 .%

.%

0% *

0%

0%

0% *

0% *

0% *

0%

.%

0% *

0% **

0% *

0%

.%

0% *

.% *

0%

0%

1992 1%

1%

1% *

0%

0%

0% *

0% *

0% *

0%

2% abnRs

1% *

0% **

2% r*

0%

1%

0% *

2% n*

0%

0%

1993 1%

1%

.% *

0%

0%

2% r*

1% *

0% *

1%

1%

1% *

0% **

.% *

1%

1%

2% *

.% *

0%

1%

1994 1%

1%

.% *

0%

0%

2% *

3% CH*

0% *

1%

2%

2% *

0% **

1% *

1%

1%

1% *

1% *

1%

2%

1995 1% O

1% O

1% *

0%

0%

4% ABHNOS

*

0% *

0% *

2% nos

2% nOs

0% *

0% **

3% abnos

*

0%

.%

1% *

2% n*

1% o

.%

1996 2% IO

2% IO

1% *

0%

0%

1% *

5% ABCIkOs*

2% *

0%

3% ABcI

O

.% *

0% **

2% *

4% abcI

o

1%

2% *

2% *

2% I

1%

1997 2%

2%

1% *

0%

0%

3% H*

2% *

0% *

2%

2%

3% *

3% **

2% *

1%

2%

4% h*

2% *

2%

1%

1998 2% i

2% i

3% *

0%

0%

2% *

3% i*

1% *

.%

4% ABIOS

1% *

0% **

1% *

4% I

2%

1% *

3% *

2% i

1%

1999 2%

2%

3% *

0%

0%

2% *

4% h*

1% *

4% abr

2%

2% *

0% **

3% *

2%

2%

3% *

3% *

2%

2%

2000 3% hOS

3% hOS

4% hos*

0%

0%

9% ABHNOS

*

3% h*

0% *

5% HOS

5% HOS

5% Hos*

11% **

5% hos*

3%

1%

3% h*

4% h*

6% abHOS

.%



gage Underwater

Owner

Rente

r

Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boomer

Less Tha

n High

School

High School

Some

College

College/grad School

<$25k $25-50k

$50-

100k

>$100k


2001 3% h

3% h

3% h*

0%

0%

3% h*

1% *

0% *

4% h

6% ABgHNO

2% *

4% **

6% Hn*

1%

2% h

1% *

2% *

5% HNo

3% h

2002 5%

5%

8% no*

0%

0%

3% *

2% *

3% *

5%

6%

6% *

14% **

4% *

3%

4%

2% *

8% n*

4%

4%

2003 5% k

5% k

2% *

0%

0%

6% k*

6% k*

5% *

5%

7% Ck

.% *

3% **

6% k*

4%

6% ck

7% k*

3% *

5%

5%

2004 5% O

5% O

8% joq*

0%

0%

2% *

6% *

5% *

6%

3%

8% q*

0% **

4% *

10% ABFJOQ

r

3%

5% *

2% *

5%

8% JO

2005 8%

8%

7% *

0%

0%

12% m*

14% m*

8% *

10%

8%

7% *

14% **

5% *

9%

9%

6% *

7% *

10%

8%

2006 7% R

7% R

9% r*

0%

0%

7% *

10% r*

6% *

7%

9% R

4% *

5% **

5% *

7%

9% ABR

8% *

12% R*

4%

7%

2007 5%

5%

3% *

0%

0%

7% *

2% *

6% *

9% ABcgjkr

4%

1% *

8% **

4% *

5%

6%

11% abCGJKm

*

4% *

4%

5%

2008 6% jO

6% jO

9% jno*

0%

0%

4% *

3% *

9% no*

5%

4%

8% *

0% **

14% ABFGIJNOpr*

3%

4%

5% *

5% *

6%

9% JnO

2009 10% FJO

10% FJO

7% *

0%

0%

2% *

12% FJ*

22% ABCFIJKmnOPRS

*

8% fj

3%

6% *

6% **

10% FJ*

13% cFJ

8% fJ

5% *

17% abCFIJkOp*

9% FJ

8% fJ

2010 8% kM

8% kM

11% kM*

0%

0%

8% M*

8% *

14% abjKM*

8% M

6%

2% *

11% **

2% *

11% jKM

11% ABJK

M

12% KM*

6% *

10% KM

8% m

2011 7%

7%

5% *

0%

0%

5% *

2% *

6% *

8%

6%

10% *

4% **

7% *

6%

9% abg

2% *

3% *

6%

12% ABcGJnpqr

2012 7% J

7% J

8% j*

0%

0%

5% *

7% *

12% Jmnq*

9% J

3%

3% *

4% **

4% *

5%

12% ABfJKmNQ

6% *

3% *

8% J

11% Jm



gage Underwater

Owner

Rente

r

Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boomer

Less Tha

n High

School

High School

Some

College

College/grad School

<$25k $25-50k

$50-

100k

>$100k


Don’t Know VOL

2%

2%

2% *

0%

0%

5% abhjs*

3% *

1% *

3%

1%

5% abhjms*

0% **

1% *

3%

3% s

1% *

1% *

2%

1%

Mean

2003.58

2003.58

2003.82

0

0

2003.10

2003.76

2007.72

2005.41

2001.15

1996.99

1999.24

2003.05

2004.13

2004.68

2001.66

2003.03

2003.99

2005.30

Standard Deviation

9.86

9.86

9.07

0

0

6.59

6.77

3.54

5.31

11.50

15.35

15.16

7.44

7.63

10.98

11.62

9.31

7.52

11.34



Table q71i - How likely are you to refinance the mortgage on your primary home in the next 12 months? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High Scho

ol

High Scho

ol

Some

College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


Very likely

10% G

10% G

11% G

0%

0%

14% Gn

4% *

12% g

10% g

10% g

9%

12% *

10% g

9%

10% G

13% G*

8%

9%

13% abGjno

Somewhat likely

10%

10%

8%

0%

0%

13% cjkl

7% *

11%

13% ABCg

Jk

8%

6%

5% *

10%

11%

11% abJk

7% *

8%

11%

11% jk

Somewhat unlikely

12% n

12% n

12%

0%

0%

13% p

13% *

9%

13% N

12% n

10%

10% *

13%

9%

12% n

7% *

9%

13% N

13% n

Very unlikely

68%

FiOS

68% FiOS

68% f

0%

0%

59%

75% FIOS*

68% f

63%

68% FS

75% abFIm

OrS

70% *

67%

72% FIoS

65% s

72% Fs*

74%

FIoS

67% f

62%

Don’t know VOL

1% r

1% r

.%

0%

0%

1%

1% *

.%

1%

1% mR

.%

3% cmr

*

0%

1%

1% r

.% *

1%

.%

1%



Table q71j - How easy or difficult would it be to refinance the mortgage on your primary home? READ CHOICES G


GP

Mortgage

Underwater

Owner

Rente

r

Hispanic African

American

Gen Y

Gen X

Boomer

Pre-boom

er

Less

Than

High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Very easy

36% FPr

36% FPr

35% fp

0%

0%

26%

33% *

35% p

36% FP

38% FPq

r

34% p

36% p*

35% fp

34% fp

39% ABFPq

R

23% *

30%

33%

45% ABCFGhIJKMNOPQR

Somewhat easy

28% LP

28% LP

25% Lp

0%

0%

22% L

31% LP*

28% LP

30% cfLP

27% LP

25% Lp

10% *

31%

fLP

30%

fLP

29% fLP

15% *

24% L

35% ABCFJKLOPQS

27% LP

Somewhat difficult

18%

18%

20%

0%

0%

24% abjnorS

20% *

21%

18%

17%

18%

27% s*

19%

17%

17%

20% *

28% ABcIJk

mNORS

17%

15%

Very difficult

12% O

12% O

17% ABhIO

RS

0%

0%

20% ABgHIJMnOQRS

11% *

10%

11%

13% o

13%

15% *

12%

13%

11%

27% ABCGHIJKlMNOQRS*

12%

11%

10%

Don’t know VOL

5% cOS

5% cOS

3%

0%

0%

8% CoS

6% *

6% s

5%

5% s

10% ABCIJMORS

11% Cij

oS*

4%

6% S

4% S

15% ABCfGHIJM

NOQRS*

6%

5%

3%



Table q72 - Which of the following best describes the value of your home? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Less than $100,000

19% BIORS

14% OS

19% BiOR

S

30% ABCHIJkMNORS

0%

28% ABCHIJNORS

34% ABCHIJkMNORS

16% OS

14% OS

20%

BIORS

26% ABCHIJNORS

41% ABCdFHIJKMNO

RS*

24% ABHIjOR

S

21% BIOR

S

8% S

50% ABCDFGHIJKMNOQRS

32% ABCHIJMNORS

12% OS

4%

$100,000-$249,000

44% DKlOPS

48% ADFGJKLOPS

48% DGjKLOP

S

35%

0%

41% Ps

38% p

50% DfGjKLOPS

48% DfGjKLOPS

42% DPS

39% dP

34% *

48% DfGJKLOPS

49% ADfGJKLOPS

40% DPS

30%

47% DgKLoPS

58% ABCDFGhIJKLMN

OPQS

34%

$250,000-$499,999

25% GLPQ

26% fGL

mPQ

23% P

23% gPq

0%

20% P

17%

23% P

28% dFGLMPQ

24%

GlPQ

24% glPQ

15% *

21% P

25% GlPQ

31% ABCDFGHJKLMN

PQR

12%

17%

25% GlPQ

35% ABCDFGHIJKLMN

OPQR

$500,000-$749,999

7% FMN

QR

7% FMNQR

7% FMNQR

6% fMNQ

R

0%

3%

7% mQR

7% fmnQR

6% qR

8% FMNpQR

5% qR

6% r*

3%

4% r

12% ABCDFGhIJKMN

PQR

4%

3%

2%

17% ABCDFGHIJKLMN

OPQR

$750,000 or more

3% mNPQR

3% mNPQR

2% q

3% mNPQ

0%

4% lmNP

Q

2% pq

2%

3% nPQ

4% MNPQR

3% mNP

Q

1% *

1%

1%

7% ABCDfGHIJKLMNPQR

.%

.%

2%

9% ABCDFGHIJKLMN

oPQR

Don’t know VOL

2% nRS

2% RS

1%

3% chNq

RS

0%

4% aBCHmNoQRS

2% rs

1%

2% RS

2% nRS

2% nRS

4% chnqRS

*

2%

1%

2% RS

4% aBCHMNoQRS

1%

1%

1%


Table g75[{q75}].mA - Buying a home. Do you think this investment is... READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgag

e

Underwater

Owner

Renter Hispanic

African

American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High

School

High School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Safe investment with a lot of potential

43% EP

46% AEHIOP

52% ABEHIjLNOP

Q

48% AEHIlNOPq

36%

45% EP

48% aEHIlnoP

39%

41% p

46% AEH

OP

46% EhP

40%

46% EhP

42% EP

42% EP

35%

43% EP

47% aEHIOP

46% EHiOP

Safe investment with very little potential

22% EFG

MP

25% AcEFGJKLMP

21%

22% fGMp

18%

17%

16%

22% fGmp

28% ACDEFGhJKL

MnPQR

21% Gm

19%

18%

17%

23% EFGkMP

29% ABCDEFGHJKLM

NPQR

17%

21% g

23% eFGMp

30% ABCDEFGHJKLM

NPQR

Risky investment with very little potential

17%

DNOS

16% os

17%

14%

21% ABDhjNORS

21% bDNORS

17%

17%

17% os

17% dNOS

18% DnoS

20% ds

23% ABcDgHiJkNOqRS

14%

15%

24% ABcDGHIJKNOqRS

18% n

15%

13%



tgage

Underwater

Owner

Renter Hispanic

African

American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High

School

High School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S Risky investment with a lot of potential

12% BcDKS

10% dkS

9%

7%

18% ABCDFIJKlMOQRS

10%

17% ABCDFIJKMOqrS

17% ABCDFIJKMOQRS

11% dks

11% DKS

7%

12% dk

10% dk

15% ABCDFIJKMS

12% BcDKS

16% ABCDFIJKMO

qS

12% DKs

12% bDKS

7%

Don’t know VOL

5% BCGIORS

3%

2%

9% ABCGHIJMNORS

6% BCGIO

RS

8% ABCGhIJMOR

S

2%

5% bgOrs

3%

4% BOs

9% ABCeGHIJMNOqRS

11% ABCEGHIJMNOqRS

4% o

5% BCGiORS

3%

8% ABCGHIJMnORS

6% BCGIORS

3%

3%



Table g75[{q76}].mA - Buying stocks. Do you think this investment is... READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African America

n

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High

School

High Scho

ol

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k



8% B

7%

6%

9% b

11% a

Bchk

9%


S

8%

8%

10%

ABCkO

7%

8%

8%

9% B

8% B

9%

9%

9% b

9%


7%

6%

7%

6%

8% jns

6%

8%

7%

8% bns

6%

7%

9%

7%

5%

6%

8%

7%

8% n

5%



gage Underwater

Owner

Renter

Hispanic

African America

n

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High

School

High Scho

ol

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S Risky investment with very little potential

35%

hIORS

34% IORS

41% ABEgHI

NORS

39% AbEgHINORS

32% O

37% hIOrS

33% o

31%

30%

36%

hInORS

45% ABDEFGHIJNOpRS

44% ABEfGHIjNORS

40% ABEGHIjNOR

S

32% O

27%

39% aEgHIN

ORS

41% ABEGHIjNOR

S

30% o

28%

Risky investment with a lot of potential

41% DF

GKLMPQ

45% ADeFGJKLMPQ

41% FKLP

35% KLp

40% FKLP

33% kL

34% KL

46% ADEFGKLMPQ

46% ADEFGjKLMPQ

41% DF

GKLMPQ

26% L

18%

36% KLP

46% ADEFGjKLMPQ

54% ABCDEFGHIJKL

MNPQR

30% L

35% KL

47% ADEFGJKLMPQ

53% ABCDEFGHIJKLMNPQr

Don’t know VOL

9% BCJOrS

8% OS

5%

11% ABCiJmNOQR

S

9% cOS

16% ABCdEGHIJMNOQRS

9% cOS

9% OS

8% OS

7% Os

15% ABCDEGHIJMNOQRS

22% ABCDEfGHIJKMNOPQRS

8% OS

8% Os

4%

15% ABCDEGHIJMNOQRS

8% Os

7% O

5%



Table g75[{q77}].mA - Buying government or corporate bonds. Do you think this investment is... READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African America

n

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High

School

High

School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k



11% IO

11% I

13% Io

13% aIO

11% i

11% i


S

10%

8%

14% ABhIOr

13% IO

11%

13% Io

12% I

10%

14% hIO

11% i

11% I

11% i


34% EFGLMPQ

38% AEFGHKLMnP

Q

35% eFGLMPQ

38% AEFGHKLMP

Q

27% fgLP

22% L

22% L

31% FGLMP

38% aEFGHKLMP

Q

38% AEFGHKLMP

Q

31% FGLMP

14%

25% LP

35% EFGLMPQ

54% ABCDEFGHIJKL

MNPQR

19%

27% LP

41% AcEFGHKLMNP

Q

54% ABCDEFGHIJKL

MNPQR



gage Underwater

Owner

Renter

Hispanic

African America

n

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High

School

High

School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


29% OrS

28% OS

33% ORS

27% OS

32% dfgORS

27% os

26% o

30% OS

30% OS

28% OS

30% OS

34% dfgOrS

34% ABDFGJORS

31% OrS

21%

33% DfGjO

RS

37% ABDFGHIJKNORS

26% Os

21%


11%

bDjKOS

10% kOS

11% os

7%

15% ABDiJKNORS

13% bDjKOS

15% aBDiJKn

ORS

15% ABDiJKNORS

10% dkO

S

10% dOS

7%

12% dkos

15% ABDIJKnORS

11% DKOS

7%

14% aBDJK

OrS

12% DKOS

10% O

7%

Don’t know VOL

14% CJOS

13% CjOS

9%

15% CJOS

15% CJO

S


S

13% OS

14% cOS

14% CjOS

11% OS

19% ABCDeGhiJMNOQR

S


S

14% cOS

12% OS

8%

21% ABCDEGHIJMNOQR

S

13% OS

12% OS

7%



Table g75[{q79}].mA - Investing in a mutual fund. Do you think this investment is... READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High

School

High

School

Some

College

College/grad

School

<$25k $25-

50k

$50-100k

>$100k



21% BK

19%

19%

21% K

25% ABcKloP

21%

28% ABCDhIjKLMnOPQ

22% k

21%

23% BK

17%

19%

21%

23% BK

21% BK

21%

21%

23% BK

22% bk


29% EFgKLP

33% ADEFGJKL

MnPQ

33% EFGKLmPQ

27% FLP

24% LP

20% L

24% LP

30% EFgkLP

32% EFGKLmPQ

28% eFgL

P

24% LP

11%

27%

FLP

29% EFgkLP

39% ABcDEFGHIJKLMN

PQR

17% L

26%

fLP

34% ADEFGJKL

MnPQ

40% ABcDEF

GHIJKLMNPQr


23% IOrS

22% IO

25% IOrS

26% AbIORS

22% i

24% Ios

23% io

23% o

18%

23% IOrS

27% ABeInORS

27% IOrS

25%

IOrS

23% Io

19%

26% abeIORS

27%

abIORS

20%

19%



age Underwater

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High

School

High

School

Some

College

College/grad

School

<$25k $25-

50k

$50-100k

>$100k


12% h

13% aeHkQ

11%

11%

10%

12%

14% eHq

9%

14% adEHkmNQ

14% AdEHkmNQ

10%

13%

10%

11%

13% AEHkQ

12%

9%

12% h

11%

Don’t know VOL

16% BgJORS

13% ORS

12% OS

15% jORS

19% ABCGJnORS

23% ABCDGHIJMNOqRS

12% Os

16% gjORS

15% ORS

12% OS

21% ABCDGhIJmNORS

30% ABCDEfGHIJKMNO

pQRS

17% BcGJORS

15% jORS

7%

24% ABCDEGHIJMNO

QRS

18% BcGJORS

10% O

7%



Table g75[{q80}].mA - Putting money into a savings or money market account. Do you think this investment is... READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwate

r

Owner

Renter

Hispanic

African Americ

an

Gen Y Gen X Boomer

Pre-boom

er

Less Than High

School

High School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k



26%

BDIJKO

S

20% OS

24% bOS

22%

kOS

36% ABCDfIJKL

NOqRS

30% aBc

DIJKlORS

42% ABCDeFIJKLMNOPQR

S

38% ABCDFIJKL

NOQRS

22% OS

21% OS

19%

23% os

34% ABCDIJKLOR

S

29% aBDIJKORS

16%

33% ABCDIJKLORS

30% ABcDIJKlOR

S

23% BkOS

16%


49%

EFGHLMPQ

60% ADEFGHJKLMNP

Q

57% AdEFGHKLMNP

Q

50%

EFGHLMPQ

35% GP

33%

27%

41% EFGLP

58% ADEFGHKLMNP

Q

53% AEFGHLMNP

Q

48% EFGhLMP

31%

38% GP

48% EFGHLMP

70% ABCDEFGHIJKL

MNPQR

29%

43% EFGLP

57% ADEFGHjKLMNP

Q

71% ABCDEFGHIJKL

MNPQR



age Underwate

r

Owner

Renter

Hispanic

African Americ

an

Gen Y Gen X Boomer

Pre-boom

er

Less Than High

School

High School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


14%

BIORS

11% O

10%

16%

ABCHINORS

15% BcHIORS

19% ABCHINORS

13% iO

11%

9%

16% ABCHINORS

18% ABCHINOR

S

21% ABCeGHINOR

S

15% BchIORS

13% iO

9%

18% ABCgHINORS

16% BChIOR

S

10%

10%


6% NORS

5% OS

5% OS

5% OS

7% jNOR

S

9% ABcDhJNOqRS

10% ABCDeHiJkNO

QRS

6% OS

7% NORS

5% OS

7% dNOR

S

13% ABCDEHIJKmNOQR

S

7% bdJ

NORS

4% S

3%

10% ABcDeHJNOq

RS

6% OS

4% os

2%

Don’t know VOL

6% BOS

4% OS

4%

7% bOS

7% BHOq

S

9% ABCHIjMOQr

S

7% OS

5% Os

5% OS

6% bOS

9% ABCdHIJMnOQR

S

13% ABCDEGHIJMNOQR

S

5% OS

6% bOS

3%

10% ABCDEgHIJMNOQR

S

5% o

5% OS

2%



Table g75[{q81}].mA - Putting money into an IRA or 401(k) plan. Do you think this investment is... READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African America

n

Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k



38%

JKLP

37% jKL

38% L

37% KL

41% JKLP

36% L

40% jKLP

46% ABCDeFJKLmOPq

40%

JKLP

34%

31%

28%

40% JKLP

42% aBdfJKLP

39% bJKLP

33%

40% JKLp

42% aBdJKLP

41% bJKLP


29% EFGLP

33% AEFGHKLMNPQ

33% EFGHLmPq

29% fGLP

25% G

23%

19%

26% G

30% eFGLP

32% AdEFGHLMNP

Q

28% Glp

20%

26% G

28%

Glp

38% ABDEFGHIJKLMNPQR

23%

26% G

30% eFGLP

39% ABDEFGHIJKLMNPQR


16% HIOS

16% iOS

19% HIO

S

18% HIOS

16% OS

18% HiOS

20% HIOS

13%

13%

19% ABeHINOrS

21% ABEHIN

ORS

22% abeHIOS

20% ABeHInOrS

16% OS

11%

18% HIOS

19% HIOS

16% OS

11%



gage Underwater

Owner

Renter

Hispanic

African America

n

Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


9% kO

9%

8%

8%

9%

9%

15% ABCDEFHIJKMNOPQRS

9%

9%

10% KOS

6%

11%

8%

10% K

8%

10% k

10% k

9%

7%

Don’t know VOL

7% BCJNORS

5% CRS

2%

7% CJnORS

10% ABChJMNOQRS

14% ABCDEGHIJMNOQRS

7% CRS

7% CjoRS

8% bCJnORS

4% c

13% ABCDeGHIJMNOQRS

20% ABCDEfGHIJkMNOQRS

6% Cr

5% c

5% Crs

16% ABCDEGHIJMNOQRS

6% Crs

3%

3%



Table q82 - Which of the following best describes the type of mortgage you have? READ CHOICES G


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African America

n

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k


A fixed rate mortgage with fixed payments for the life of the loan

88% fKP

88% fKP

86% P

0%

0%

83% p

84% p*

89% kP

87% P

90% abcFgKnP

81%

84% *

90%

fKP

87% P

89% FKP

74% *

86% P

92% ABCFGIKNOPq

91% cFgKP

A hybrid adjustable rate mortgage or ARM, with fixed payments for a certain period, usually 2-7 years, before adjusting

4% r

4% r

5% r

0%

0%

5%

7% R*

3%

5% R

4%

3%

1% *

4%

4% r

4% R

7% lR*

3%

2%

5%


GP


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African America

n

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S An adjustable rate mortgage or ARM, where the payment adjusts at least every year

3%

3%

4% r

0%

0%

4% r

1% *

3%

2%

3%

2%

2% *

3%

3%

3%

6% abRs*

3%

2%

2%

An interest-only mortgage

1% J

1% J

3% abJNO

RS

0%

0%

1%

.% *

1%

2%

1%

5% ABfGHiJMNORS

6% ABfghiJm

NORS*

1%

1%

1%

3% Jn*

3% Jn

1%

1%

A negative amortization mortgage where the outstanding balance can grow

.% jO

.% jO

1% jo

0%

0%

.%

0% *

1% o

.% o

0%

0%

0% *

.%

.%

0%

1% j*

0%

.%

.% o

Some other type of mortgage VOL

2% O

2% O

1%

0%

0%

1%

5% ABCfHiJMORS*

1%

2%

1%

5% ABCfhJM

ORS

3% *

1%

3% abCJORS

1%

5% ABCfhJMORS*

2%

1%

1%

Don’t know VOL

2% S

2% S

1%

0%

0%

5% ABCiJmNoRS

2% *

2%

2%

2%

4% CnS

3% *

2%

1%

2% cS

4% CnS*

2%

2%

1%


Table q87 - If a person’s home is now worth less than what they owe on it, do you think it’s okay for them to stop paying their mortgage? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic African

American

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Yes

9% Br

7%

8%

10% bR

9%

13% ABcGhIJlMNQRS

7%

9%

7%

9%

10% br

8%

9%

8%

10% ABgIjn

RS

12% ABeGhIJlMNqRS

8%

7%

8%

No 88% DFKP

91% ADEFhJKLmOP

q

90% DFKP

84%

86% FP

81%

92% ADEFhKLO

P

88% dFKP

91% ADEFKO

P

89%

DFKoP

82%

86%

88% DFKP

90%

DeFKP

87% DFKP

82%

88% DFKP

91% ADEFKlOP

91% aDEFKO

P Don’t know VOL

3% BGiJOS

2%

2%

6% ABCGHIJMNOqRS

4% BGiJnorS

6% ABCGHIJMNORS

1%

3% bg

2%

2% b

8% ABCEGHIJMNOQRS

6% aBCGhIJmNORS

3% bg

3%

3% Bg

5% ABCGHIJMNORS

4% BG

3% b

2%



Table q88 - If a person is facing financial distress, do you think it’s okay for them to stop paying their mortgage? G


GP Mortgage

Underwater

Owner Renter


Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High Scho

ol

High

School

Some

College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


Yes 16% G

15%

19% Gn

15%

17% G

20% abdGhkmNqr

11%

15%

16% g

18% bGN

14%

21% bdGkmn

15%

14%

17% bG

18% Gkmn

15%

15%

16%

No 80%

80%

77%

79%

80%

77%

87% ABCDEFHIJKLM

nOPQRS

81%

81%

78%

79%

74%

80%

82% acFJLP

79%

77%

79%

81% l

81%

Don’t know VOL

4% G

5% G

4% g

6% AEfGIjN

ORS

3%

4%

1%

4% g

3% g

4% G

7% AEfGIN

ORS

5% g

5% eG

4% g

4% G

5% EG

5% eG

4% g

3%



Table q89 - Do you know of people in your area or neighborhood who have defaulted on their mortgage? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Rente

r

Hispanic

African America

n

Gen Y

Gen X Boomer

Pre-boome

r

Less Than High Scho

ol

High Scho

ol

Some Colleg

e

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k


Yes

40% deGHKmP

45% ADEGHKLM

OP

48% ADEfGHKLM

OP

37% GKP

36% Gp

41% GhKlP

28%

35% g

48% ADEFGHKLMO

Pqs

44% ADEGHKLM

OP

32%

34%

36% Gp

47% ADEGHKLM

OP

40% GHKP

31%

42% dEGHKlmP

46% ADEGHKLM

OP

43% DEGHKlMP

No

58% BCIJNR

53%

51%

61% aBCIJNqRs

61%

BCIJNq

R

58%

cINr

70% ABCDEFHIJMNO

QRS

61% BCIJNqR

s

50%

54% n

67% ABCDeFIJNOQ

RS

65% aBCfIJNQRS

62% aBCIJNQRS

50%

58% BCIJN

R

67% ABCDEFhIJNOQ

RS

56% n

52%

55%

Don’t know VOL

2% bf

2%

1%

2%

3% bFIjmr

1%

1%

4% aBcFimor

1%

2%

2%

1%

2%

3% BcFIjr

2%

2%

2%

2%

2%



Table q90 - Do you know anyone who has stopped making their monthly mortgage payment, despite being able to afford it, because they no longer believe owning their home is a good investment?


GP Mortgage

Underwater Owner Rente

r

Hispanic

African America

n

Gen Y

Gen X

Boomer

Pre-boomer Less

Than

High

School

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Yes

20% DgKP

24% ADEGhKMOPr

29% AbDEGHiJKL

MNOPQR

17% k

18%

25% aDEGKlMP

16%

20% K

23% DEGKP

23% ADEGKmP

14%

19%

19% K

22% De

GKP

21% DeGKP

16%

21% dgKp

21% DgKp

26% ADEGhKMOP

No 77% BCFS

74%

70%

81% ABCFIJNORS

79%

bCFS

72%

83% ABCFHIJNOqRS

77% c

75%

76% C

84% ABCdEFHIJlMNOpQRS

77%

80% BCFijS

76% c

77% BCfS

80% BCFijS

78% Cf

77% C

73%

Don’t know VOL

2%

2%

1%

2%

3% GjoQ

3% bgjQ

1%

3% gq

2%

2%

2%

4% gjq

2%

2%

2%

4% ABcDGJkMnOQr

1%

2%

2%



Table q90b - Do you know anyone who has stopped making their mortgage payments within the last 3 months? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African American

Gen Y Gen X

Boomer

Pre-boomer

Less Tha

n High School

High School

Some

College

College/grad

School

<$25k

$25-50k

$50-100

k

>$100k


Yes 29% j

27%

33% ij

25%

33% iJ

37% ABDIJKMOR

40% ABDIJKM

OpR*

38% ABDIJKM

OpRs

25%

25%

25%

30% *

26%

32% iJr

28%

29%

33% diJ

26%

29%

No 70% FgH

71% cFGH

65%

73% FGH

66%

62%

60% *

62%

73% cFGH

73% aCeFG

Hnq

73% FGh

69% *

72% FgH

67%

71% FgH

70% f

65%

73% cFGHn

69%

Don’t know VOL

1%

1%

3% H

2%

1%

2% h

0% *

.%

2%

2%

1%

1% *

2%

1%

1%

1%

1%

1%

1%



Table q91 - Thinking about the total amount you owe on your home (including first mortgage, second mortgage, and home equity line of credit debt) compared to the value of your home today, would you say the total amount you owe on your home is: READ CHOICES


GP Mortgag

e

Underwater

Owner

Renter

Hispanic

African American

Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/grad School

<$25k $25-50k

$50-

100k

>$100k


At least 20% more than the value of your home

16% IO

16% IO

57% ABFGHIJKLMNOPQ

RS

0%

0%

17% o

22% HIkOrs*

12%

12%

22% ABHIKORS

12%

19% *

18% iO

18% hIO

12%

15% *

22% abHIKOr

s

15% o

15% O



tgage

Underwater

Owner

Renter

Hispanic

African American

Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/grad School

<$25k $25-50k

$50-

100k

>$100k

A B C D E F G H I J K L M N O P Q R S About 5-20% more than the value of your home

12% J

12% J

43% ABFGHIJKLMNOPQ

RS

0%

0%

10%

9% *

19% ABFGIJMOq

Rs

11%

10%

11%

17% *

10%

13% j

11%

22% ABFGIJKMNOQR

s*

10%

10%

13%

About the same as the value of your home

19% CJo

19% CJo

0%

0%

0%

23% CJKns

24% CJKnoS

*

26% ABCJKNOrS

22% abCJKnO

S

14% C

13% C

16% C*

24% abCJKnoS

17% C

17% CJ

26% abCJKno

S*

21% Cjk

19% CJ

16% C



tgage

Underwater

Owner

Renter

Hispanic

African American

Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/grad School

<$25k $25-50k

$50-

100k

>$100k

A B C D E F G H I J K L M N O P Q R S About 5-20% less than the value of your home

16% CJs

16% CJs

0%

0%

0%

17% Cj

19% CJ*

19% CJ

22% ABCJMOp

S

11% C

16% C

18% C*

13% C

19%

CJS

17% CJS

12% C*

20% CJm

19% abCJms

13% C

At least 20% less than the value of your home

33% CFGHlPQ

33% CFGHlPQ

0%

0%

0%

24% C

23% C*

23% C

29% CP

39% ABCFGHILNP

Qr

38% CFGHiL

nPQ

20% C*

34% CFgHPQ

30% CP

38% ABCFGHILNP

Qr

16% C*

23% C

34% CFGHlPQ

41% ABCFGHILNP

Qr



tgage

Underwater

Owner

Renter

Hispanic

African American

Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/grad School

<$25k $25-50k

$50-

100k

>$100k


4% Ch

4% Ch

0%

0%

0%

9% ABCgHIJMNOQR

S

3% C*

1%

4% C

4% Ch

9% ABCgHIjMNOQR

S

10% abCHiMNqR

S*

2% C

2% C

4% CHs

9% ABCgHIjMNoqRS

*

3% C

3% C

3% C



Table q92 - Is that because: READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African Americ

an

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High Scho

ol

High Scho

ol

Some

College

College/grad

School

<$25k

$25-50k

$50-100k

>$100k


You did not have enough information about your mortgage when you got it

5% J

5% J

5% J

0%

0%

2% *

22% **

13% **

6% s*

2%

1% **

6% **

1% *

6% j*

8% ABCJmS

4% **

6% *

10% ABCfJMs*

2% *

You had enough information but voluntarily took a risk

15%

15%

15%

0%

0%

11% *

8% **

14% **

16% *

15%

13% **

0% **

21% *

16% *

14%

18% **

12% *

14% *

17% *

The housing market changed in a way you could not have predicted

56% O

56% O

56% O

0%

0%

65% o*

60% **

54% **

59% o*

59% O

43% **

66% **

59% *

57% *

50%

58% **

53% *

59% o*

58% o*

Don’t know VOL

24%

24%

24%

0%

0%

22% *

10% **

19% **

19% *

25%

42% **

28% **

19% *

21% *

28% ABCIR

21% **

29% *

18% *

24% *



Table q95 - Have the terms of your mortgage, such as the rate, term, payment, or principal, ever been modified because you were behind on or defaulted on your mortgage, or because you were at risk of that?


GP Mortgage

Underwater

Owner

Renter

Hispanic African

American

Gen Y

Gen X

Boomer

Pre-boomer

Less Tha

n High School

High School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Yes 4% OS

4% OS

5% S

0%

0%

10% ABcHiJKm

NORS

6% oS*

3%

5% S

5% S

3%

4% *

5% s

4% S

3% S

9% ABHjkOS*

6% S

5% S

2%

No 96% FP

96% FP

95% Fp

0%

0%

89%

94% *

96% FP

95% Fp

95% FP

97% FP

96% f*

95% Fp

95% FP

96% ABFP

89% *

94% f

95% Fp

98% ABCFGIJmn

OPqr Don’t know VOL

.%

.%

.%

0%

0%

2% ABCiJNoqR

0% *

1%

.%

.%

0%

0% *

.%

.%

.%

2% abcJnr

*

0%

.%

1%



Table q99 - Thinking about the value of your home today compared to what you paid for the home, would you say your home is worth: READ CHOICES


GP Mortgag

e

Underwater

Owner Renter

Hispanic

African

America

n

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/gra

d Schoo

l

<$25k

$25-

50k

$50-

100k

>$100k


At least 20% more than what you paid for it

43% BHIOs

37% HI

39% HI

55% ABCFGHIJMNOPQR

S

0%

43% bHI

46% BHIo

21%

29% h

49% ABCHINOR

S

61% ABCDFGHIJMNOPQR

S

55% ABCfHInORS

*

46%

BHIOs

43%

BHIo

38% HI

45% BHIo

46%

BHIOs

41%

bHI

39% HI



tgage

Underwater

Owner Renter

Hispanic

African

America

n

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/gra

d Schoo

l

<$25k

$25-

50k

$50-

100k

>$100k

A B C D E F G H I J K L M N O P Q R S About 5-20% more than what you paid for it

20% JKQ

21% JKQ

25% aDJKMoQ

17% K

0%

19% K

19% K

32% ABcDFGIJKLMNOPQR

S

22% djKmQ

17% k

12%

18% *

17% K

22%

DJKQ

20% jKQ

20% K

14%

22%

aDJKMQ

23%

DJKmoQ

About the same as you paid for it

18% CDJkln

19% CdJKLNs

9%

15% C

0%

16% C

17% C

27% ABCDFGJK

LNOpRS

21% CDJKLNs

15% C

15% C

10% *

21% CDJKLn

15% C

21% ACDJKLNrS

20% CdjkL

22%

CDfJKLN

18% Cj

16% C



tgage

Underwater

Owner Renter

Hispanic

African

America

n

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/gra

d Schoo

l

<$25k

$25-

50k

$50-

100k

>$100k

A B C D E F G H I J K L M N O P Q R S About 5-20% less than what you paid for it

10% DJKp

12% ADJKMP

12% DJKmP

5%

0%

11% DKp

8%

12% DKp

16% ABDfGJKlMNOPQR

S

8% D

6%

8% *

8%

10%

DjKp

11% ADJKmP

6%

10% DK

11%

DJKmP

10% DK

At least 20% less than what you paid for it

8% DK

9% ADKqr

13% ABDFgHJKLMNOpQ

R

5%

0%

7%

8% d

7%

9% DKq

8% DK

5%

5% *

7% d

8% DK

8% DK

8% d

6%

7% d

10%

ADKOQr



tgage

Underwater

Owner Renter

Hispanic

African

America

n

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High

School

Some College

College/gra

d Schoo

l

<$25k

$25-

50k

$50-

100k

>$100k


2% hR

2% HR

1%

2% h

0%

4% acHMN

R

2% H

.%

2% h

3% AHmNoR

2% h

4% Hr*

1%

1%

2% Hr

2% h

2% h

1%

2% H



Table q100 - Have you seriously considered, somewhat considered, not seriously considered, or not considered at all stopping or incompletely paying your mortgage?

G


GP

Mortgage

Underwater

Owner

Renter

Hispanic African

American

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some

College

College/grad

School

<$25k

$25-50k $50-100k

>$100k


Considered it seriously

2% hO

2% hO

4% ABHkM

OrS

0%

0%

7% ABHIJKMNOqRS

3% H*

.%

3% ho

3% abhmOs

1%

5% Hm*

1%

3% H

1%

4% HkMos*

3% h

2% h

1%

Considered it somewhat

2%

2%

2%

0%

0%

4%

3% *

2%

2%

1%

3%

0% *

3%

1%

3% ABJr

2% *

4%

1%

2%

Not seriously considered it

3% iS

3% iS

3%

0%

0%

9% ABCGIJKM

NORS

1% *

5% irS

1%

3% s

3%

9% abgIjMoRS*

1%

3%

3% s

5% iMs*

7% ABcGIJM

NORS

2%

1%

Not considered it at all

91% Fq

91% Fq

89% F

0%

0%

77%

93% F*

92% F

91% F

91% F

92% F

84% *

93% Fpq

92% Fq

93% ABCFlp

Q

87% F*

87% F

92% cFlq

94% abCFjLPQ

Don’t know VOL

1% O

1% O

1%

0%

0%

3% abgjNOQ

0% *

1%

2% nOq

1%

2% q

2% *

2%

1%

1%

2% *

0%

2% nOq

1%



Table q106b - For a person to get a mortgage, what percent of a home's total price should be required as down payment? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High

School

High School

Some College

College/grad School

<$25k $25-

50k

$50-100k

>$100k


1 1% O

1% O

1%

1%

1%

2% dos

3% ABcDeHJKMOPrS

1%

2% AbDjKmO

S

1%

1%

1%

1%

2% Dkos

1%

1%

1%

1%

1%

2 2% OS

2% OS

2% oS

1% s

2% s

3% adjmO

S

2% oS

2% s

2% oS

1% S

1%

2%

1%

3% AbdjkOS

1%

2% oS

2% OS

2% Os

.%

3 3% DKO

4% DKO

3% dk

1%

4% DKo

4% DKo

4% DKo

4% Dk

4% Dk

3% Dko

1%

2%

4% DK

4% DK

2% d

3% d

4% DKo

3% DKo

3% D

4 1% bO

.%

.%

1%

1% bOp

2% BOs

2% BOprs

1%

.%

1%

1% o

1%

1%

1% Bo

.%

.%

1% bO

1%

.%

5 13% DKL

P

16% ADeKLOPS

17% DKLoPs

8% K

12% dKl

13% DKLp

14% DKLp

16% DeKLP

15%

DKLP

14% DKLP

4%

7%

14% DKLP

15% DKLP

13% DKL

10% K

13%

DKl

18% ADEfJKLmOPQS

12% dKl

6 .% O

.% o

.%

.%

1%

1% abdNOrs

1% abDkNOrS

.%

.%

1% nO

.%

2% ABDhkmNOqr

S

.%

.%

.%

1%

.%

.%

.%

7 1% DJ

1% J

1% j

.%

1% dJP

1% DJP

.%

1% jp

1% DgJnPs

.%

1% DJp

1% j

1% DJp

.% j

1% DJ

.%

1% DgJp

1% DJp

.%

8 .% BJO

.%

0%

.%

1% BdiJo

1%

1%

1% ABDiJkO

0%

.%

.%

.%

.%

1% Bdi

J

.%

1% BdiJk

.%

.%

.%

10 30% FKp

32% aFgKP

37% AdEFGjKNoP

29% FK

28% F

21%

26%

32% FKp

33%

eFGKP

30% Fk

24%

29% F

31% FKp

29% Fk

31% FKp

26%

32% FK

31% FK

34% adEFGjK

noP

12 .% bO

0%

0%

0%

.%

0%

.% Bo

.%

0%

.%

0%

0%

.% b

0%

0%

.%

.%

0%

0%

13 .%

0%

0%

0%

.%

.%

0%

0%

.%

0%

0%

0%

0%

0%

.% b

0%

.%

0%

0%



age Underwater

Owner

Renter

Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High

School

High School

Some College

College/grad School

<$25k $25-

50k

$50-100k

>$100k


15 5% BDJkQ

3%

5% q

3%

7% ABDIJKLNQ

R

5% lQ

5% Q

8% ABDIJKLNQR

3%

4%

3%

2%

5% bDKQ

4% Q

6% ABDIJK

LQR

6% BDjKLQ

2%

4%

7% aBDIJKL

nQ

17 .%

.%

.% j

0%

0%

0%

0%

0%

.% A

0%

0%

0%

0%

.%

.%

0%

0%

.%

.%

18 .%

0%

0%

.%

0%

.%

.%

.%

0%

.%

0%

0%

0%

.%

.%

0%

.%

0%

0%

20 21% EFGHLMPq

27% AEFGHILMNPQR

23% EFGHLMPq

28% AEFGHILMNPQR

10%

14% e

10%

13%

22%

EFGHLMP

26% AEFGHLMNPQ

28% AEFGHiLMNP

Qr

14%

16% EG

21% EFGHlmP

31% ABCEF

GHIJLMNPQR

13% e

17% EGh

23% EFGHLMPq

33% ABCdEFGHIJkL

MNPQR

25 3% Bq

2%

3% q

4% ABfhMQ

3%

2%

3% q

2%

2%

3% Bq

4% BQ

2%

2%

3%

3% ABhQ

3% bq

1%

3% Bq

2%

29 .%

0%

0%

.%

0%

0%

0%

0%

0%

0%

.%

0%

0%

0%

.%

0%

0%

0%

.%

30 2% B

1%

1%

3% BFi

3% Bf

1%

4% ABCFIJmNor

S

2%

1%

2% b

3% Bf

3%

2%

2%

2% Bf

2% bf

2%

2% B

2%

33 .%

0%

0%

.% abj

0%

0%

0%

0%

0%

0%

.% AB

0%

.%

0%

.%

.%

0%

.%

0%

Don’t Know VOL

18% BCIJORS

10% cOS

7%

20% BCIJNORS

26% ABCd

HIJMNOqRS

29% ABCDHIJMNOQRS

23% ABChIJNORS

18% BCiORS

13% bCOS

15% BCORS

28% ABCDHIJMNOQRS

33% ABCDeGHIJMNOQRS

20% BCIJORS

16% BCORS

8% S

31% ABCDeGHIJMNOQRS

21%

BCIJNORS

10% S

5%

Mean

12.43

12.24

12.05

14.44

11.37

10.76

11.22

11.22

11.74

12.74

15.02

12.15

11.67

11.80

13.74

12.37

11.39

12.10

13.62



age Underwater

Owner

Renter

Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boom

er

Less Than High

School

High School

Some College

College/grad School

<$25k $25-

50k

$50-100k

>$100k


Standard Deviation

6.91

6.66

6.58

7.07

6.93

6.79

7.65

6.52

6.70

6.96

7.12

7.00

6.71

6.96

6.83

7.19

6.80

7.00

6.46



Table q107 - Which if any of the following do you currently have? Please tell me all that apply. READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic

African American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High Scho

ol

High Scho

ol

Some

College

College/grad School

<$25k

$25-50k

$50-100k

>$100k


DO NOT ASK: First Home mortgage AUTO POPULATE IF 24E=C1

42% DEFGHKLMP

Q

96% ADEFGHIJKL

MNOPQRS

96% ADEFGHIJKL

MNOPQRS

0%

0%

35% DEhP

28% DEP

28% DEP

63% ADEFGHJKLMNOP

QR

49% ADEFGHKLMNP

Q

30% DEP

30% DEP

35% DEGHkP

42% DEFGHKLMP

Q

54% ADEFGHJKLMNPQ

16% DE

35% DEGHP

53% ADEFGHjKLMNP

Q

67% ADEFGHJKLMNOPQ

R



age Underwater

Owner Renter

Hispanic

African American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High Scho

ol

High Scho

ol

Some

College

College/grad School

<$25k

$25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S DO NOT ASK: Second mortgage or home equity line of credit AUTO POPULATE IF 24F=C1

9% DEGHkP

21% ADEFGHIJKL

MNOPQRs

21% ADEFGHIJKL

MNOPQR

0%

0%

7% DEP

4% DE

5% DE

14% ADEFGHKl

MNPQR

12% ADEFGHKMNP

Q

7% DEP

9% DEgh

P

8% DEgHP

8% DEGHP

12% ADEFGHKMN

PQ

3% DE

8% DEGHP

10% DEGH

kP

18% ADEFGHiJKL

MNOPQR



age Underwater

Owner Renter

Hispanic

African American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High Scho

ol

High Scho

ol

Some

College

College/grad School

<$25k

$25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S Credit Card Debt that you don’t pay off every month

28% DEGHKP

37% ADEFGHJKLMNOPqR

S

39% ADEFGHJKLMNOPqR

S

15%

24% D

28% Dgkp

22% D

23% D

35% ADEFGHKL

MNOPrS

31% ADEGHKl

P

22% D

23% D

29% DeGhKP

29% DEGHKP

28% DeGH

KP

23% D

32% aDEGHKLP

30% DEGH

KlP

29% DeGh

Kp

Car Loans

32% DEGKLP

45% ADEFGHJKLMNOPQ

43% ADEFGHJKLMNPQ

19% Kp

24%

dKlP

29% DeKLP

25%

DKlP

31% DEgKLP

46% ADEFGHJKLMNOP

Q

34% DEGKLmPQ

14%

18%

29% DeKL

P

34% DEGKLmPQ

39% ADEFGHJKLM

nPQ

15%

28% DKLP

44% ADEFGHJKLMNO

PQ

43% ADEFGHJKLMNoPQ

School Loans

19% DJKLM

22% ADfJKL

MP

23% DJKLM

p

5% K

25%

ADFJKLMPQ

17% DJKLM

25%

ADFJKLMPQ

37% ABCDEFGIJKLMNOP

QRS

22% DfJKLMP

10% DK

1%

8% K

9% DK

23% ADFJKLMPQ

31% ABCDEFGIJKLMNPQ

RS

17% DJKL

M

18% DJKLM

22% aDfJKLMp

23% aDfJKL

MP

Back taxes

5% DhKOS

5% KOS

8% ABDHKNORS

3%

7% aDHKnORS

15% ABCDEGHIJKlMNOP

QRS

6% dhKOS

3%

6% bDHKnORS

7% ABDHKNORS

2%

10% ABDHKNORS

6% DhKOS

4% ks

3%

8% ABDHKmNOR

S

7% DHKnOrS

4%

2%

Other Loans/Debt

11% DKO

11% DKO

11% dK

7%

14% AbDhKMOQ

13% DKo

14% DKmO

q

11% DK

15% ABDKMOQr

12% DKm

O

6%

11% k

9% dK

16% ABCDHJKMOQRs

9% DK

13% DKm

o

9% k

11% DKo

12% DKO



age Underwater

Owner Renter

Hispanic

African American

Gen Y Gen X Boomer

Pre-boome

r

Less Than High Scho

ol

High Scho

ol

Some

College

College/grad School

<$25k

$25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S Don’t have any debt

38% BCHINORS

27%

27%

62% ABCEFGHIJLMNOP

QRS

39% BCHINORS

38% BCInoR

s

38% BChInoRs

32% BI

25%

39% BCHINOR

S

64% ABCEFGHIJLMNOP

QRS

50% ABCEFGHIJNOQ

RS

45% ABCEFgHIJNORS

32% BI

33% BcI

46% ABCEFGHIJNORS

41% BCHINORS

31% BI

31% BI

Don’t know VOL

1% NOq

1% n

1%

1%

2% Nq

2% kmNo

Q

1% nq

1% n

1%

2% kmNOQ

1%

2% nq

1%

.%

1%

2% KmNoQ

.%

1% n

1% n



Table q109 - Are you very stressed, somewhat stressed, not very stressed or not at all stressed about your ability to make payments on your debts?


GP Mortgage

Underwater


African American

Gen Y

Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some Colle

ge

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k


Very stressed

7% BDKORS

5% dOr

S

6% DOrs

3%

12% ABCDHIJKMNO

QRS

9% BDKORS

10%

aBDKORS

8% DkORS

7% bDkO

RS

8% BDKORS

4%

14% ABCDHIJKMNO

QRS

7% DkORS

8% BDKO

RS

3%

15% ABCDeFGHIJKMNO

QRS

7% DkOrS

4%

3%

Somewhat stressed

19% DKLS

21%

ADFKLO

S

18% DK

8%

23% ADFJKLmOrS

16% DK

22%

DfKLS

23% aDFKLo

S

24% AcDFjKLmO

RS

19% DKLS

7%

12% K

19% DKl

23% AcDFJKLmO

RS

19% DKlS

21% DfKLS

21% DfKLS

19% DKl

15% DK

Not very stressed

19%

DgJKP

21%

ADFGJKl

P

20% dgkp

15%

18% p

16%

14%

22% aDEFGJKlP

20% DGKP

17%

15%

15%

19% Dgkp

19% DgKp

20% aDGJ

KP

15%

19% d

23% ADEF

GJKLmnoP

20% Dgkp

Not at all stressed

54% bEHINP

52% EH

54% eh

73% ABCEFGHIJLMNOP

QRS

46%

57%

EHINP

52% e

46%

48%

55% bEHINP

73% ABCEFGHIJLMNOP

QRS

58% EHInP

55% EHIP

49%

58% ABEgHINP

qR

49%

53% Eh

53% EHi

62% ABCEGHIJmNo

PQR

Don’t know VOL

1% NO

1% nO

1% NO

1% NO

1% NO

2% NO

1% NO

1% NO

1% o

1% NO

1% NO

1%

1% o

.%

.%

1%

1% no

1% NO

1% nO



Table q111 - Do you feel you have sufficient savings? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African American

Gen Y

Gen X Boomer

Pre-boomer

Less Than High

School

High

School

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Yes

42%

EFIJLNPQ

40%

EfILnP

38% eiLP

62% ABCEFGHIJKLMNO

PQRS

31%

34% lp

37%

eLP

43%

EFILNPq

32%

38%

EILP

57% ABCEFGHIJLMNoPQR

28%

44%

EFgIJLNPQ

36% EilP

52% ABCEFGHIJLMN

PQR

29%

36% elP

44% bcEFgIJLNPQ

55% ABCEFGHIJLMN

PQR

No

57% DKOS

58% DKOrS

61% DKO

rS

36%

68% ABcDGHJKMNOqRS

65% ABDHKMORS

61% DKOS

56% DKOS

67% ABcDgHJKMn

ORS

61%

ADKMORS

40%

72% ABCDfGHJKMNOQRS

55% DKOS

62% AbDHKMORS

47% DKs

70% ABCDGHJKMNOQRS

63% ADHKMORS

55% DKO

S

43% D

Don’t know VOL

2% lO

2% lO

2% l

2% jLO

1%

1%

3% jLo

2%

1%

1%

4% ABdEFhIJLMNOP

QRs

0%

1%

2%

1%

1% l

1%

1%

2% lo



Table q112 - Do you feel that your current household income is sufficient for the amount of expenses you have, including any payments on debt and mortgages?


GP Mortgage

Underwater


African Americ

an

Gen Y

Gen X

Boo

mer

Pre-boom

er

Less Than High

School

High School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Yes

72% EFGhLP

80% AEFGHIJLMNPQ

76% EFGHILP

84% AbCEFGHIJKLMNPQ

54% P

66% EGLP

55% P

68% EGL

P

69% EGL

P

74% EFGHiLP

79% AEFGHIjLMNPQ

48%

73% EFGLP

72% EFGLP

84% ABCEFGHIJKLMNPQr

45%

71% EGLP

82% AcEFGHIJLMNPQ

89% ABCDEFGHIJKLMN

OPQR

No

27% BDKORS

19% DOS

22% DOr

S

14% S

44% ABCDF

HIJKMNOQRS

33% ABCDJKMnORS

43% ABCDF

HIJKMNOQRS

30% aBCDJKORS

30% aBCDJKORS

25% BDKORS

19% DOS


26% BDKORS

27% BDKORS

15% S

53% ABCDEFGHIJKMNOQRS

28% BDKORS

17% S

9%

Don’t know VOL

2% O

1% o

1%

2% O

1%

2%

2% ilnO

2%

1%

1% o

2% nO

1%

1%

1%

1%

2% o

1%

1%

1%



Table q112b - How concerned are you that you will lose your job in the next twelve months? Are you very concerned, somewhat concerned, not very concerned, or not at all concerned that you will lose your job in the next twelve months?


GP Mortgage

Underwater


African American

Gen Y

Gen X Boomer

Pre-boomer

Less Than High

School

High School

Some

College

College/grad

School

<$25k $25-

50k

$50-100k

>$100k


Very concerned

7% BDKORS

6% KoS

8% KOS

5% K

11% ABDhIKmNO

QRS

15% ABCDgHIJKMNOQRS

9% BDKORS

8% bdKORS

7% KOS

10% ABDiKNORS

2%

15% ABCDgHIjKMNOQRS

8% bDKOrS

7% KS

5% K

14% ABCDGHIJKMNOQRS

7% KoS

5% K

4%

Somewhat concerned

10% DK

11% DgKq

9% K

6% K

11% DKq

15% AbCDe

GHKMNOQS

8% K

10% DK

11% DKq

13% AbcD

GKMNOQS

2%

11% DK

10% DK

10% DK

10% DK

12% DgKq

8% K

11% DgKq

10% DK

Not very concerned

17% DKLP

21% ADEGJKLmOPS

21% DGjKLP

8% K

16% DKLP

18% DKLP

13% DKp

18% DgKLP

27% ABCDEFGHJKLMNO

PQRS

16% DKLP

5%

10% K

17% DKLP

18% DgKLP

19% ADGJKLP

10% K

21%

ADEGJKLP

20%

ADGJKLP

17% DKL

P

Not at all concerned

63% BEFIJ

60% FI

61% FI


58% FI

48%

66%

bEFIJ

61% FI

52%

59% FI

88% ABCDEFGHIJLMNO

PQRS

60% Fi

63% FIj

63% eFIJ

65% ABEFhIJr

61% FI

61% FI

61% FI

67% aBcEFhIJpqr

Don’t know VOL

3% BO

2%

2%

4% aBjmNOr

s

4% O

4% BO

4% BO

3%

3% bO

3% O

4% bO

4%

2%

2%

2%

4% BO

3% o

3%

2%



Table q116 - How does your current monthly household income compare to what it was twelve months ago? Would you say it is: READ CHOICES


GP Mortgag

e

Underwat

er


African

American

Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some

College

College/gr

ad Scho

ol

<$25k

$25-50k

$50-

100k

>$100k


Significantly higher now

21%

BDJK

18% JK

18% k

16% K

28% ABCDIJKLMNOQ

Rs

25% aBC

DiJKLR

26% ABCDiJKLm

R

34% ABCDEFGIJKLMNOPQ

RS

20% JK

14%

12%

17% k

21%

DJK

23% BDJK

22% aBcDJ

Kr

24% BcDJKLr

21% dJK

19% JK

23% Bc

DJK

About the same vs. twelve months ago

62% EFGHNP

66% AcEFGHN

P

61% h

69% ACEFGHIJLNP

QR

54%

54%

55%

53%

62% EFgHp

64% EFGH

NP

75% ABCDEFGHIJLMNOPQ

RS

59%

65% EFGHnP

58%

66% AcEFGHIN

P

55%

63% EFGHp

64% EFGHNP

65% EFGHNP

Significantly lower now

16% HkOS

15% hOS

20% aBdHKmO

S

14% OS

17% HKOS

19% abDHKmOS

17% HOS

11%

17% H

OS

20% ABDHKMOq

RS

12%

22% ABDHKMOq

rS

14% os

19% ABDHKmOS

11%

19% AbDHKMOS

16% H

OS

16% HkOS

10%

Don’t know VOL

1% MNO

2% MNO

2% MNO

q

1% m

1%

1% m

2% MNO

Q

1%

1% mo

2% MNOq

1%

1%

.%

.%

.%

1% M

.%

1% mo

2% MNOq



Table q117 - How do your current monthly household expenses compare to what they were twelve months ago? Would you say they are: READ CHOICES

G


GP

Mortgage

Underwater

Owner Renter Hispani

c

African American

Gen Y

Gen X

Boomer

Pre-boome

r

Less

Than High School

High School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k



35% BOS

31% S

30%

41% ABCeGHIJmnORS

36% OS

36% oS

33% s

33% S

33% S

34%

bOS

41% ABCeGHIJnOR

S

39% bcOS

37% BcOS

36% BcOS

30% S

39% ABCGHIjOR

S

39% aBChiOr

S

33% S

26%


55% dep

59% ADEFGJKlmNP

Q

61% aDEFGJklNP

Q

51%

50%

51%

51%

55% e

58% DEfgjnPq

53%

53%

51%

54%

53%

60% ADEFGhJKlmNP

Q

50%

51%

57% DEjp

61% ADEFGhJKLmNPQ


9% BDK

8% K

7% K

7% K

13% ABCDIKMOP

Q

10% dK

15% ABCDhIjKLMNOPQRs

11% bDK

8% K

11%

ABcDK

4%

9% K

9% K

10% bDK

10% BDK

9% K

9% K

10% bDK

10% bDK

Don’t know VOL

2% MNO

2% MNO

2% MnO

1% MO

1% mo

2% MNO

1% MO

1% mO

1% MO

2% MNOr

2% MnO

1%

.%

1%

.%

2% MnO

1%

1% mO

3% aeiMNO

qr



Table q118 - How does the total amount of debt on your house, including first mortgage, second mortgage, and home equity line of credit debt, compare to what it was twelve months ago? Would you say it is: READ CHOICES

G


GP

Mortgage

Underwater

Owner

Renter

Hispanic African

American

Gen Y

Gen X

Boomer

Pre-boome

r

Less Tha

n High

School

High

School

Some Colleg

e

College/grad School

<$25k $25-50k

$50-100k

>$100k



7%

7%

7%

0%

0%

16% ABCHIJKM

NOQRS

8% *

5%

7%

8% ns

5%

11% *

6%

5%

8% abS

12% abhkm

NS*

8%

7%

5%

About the same as. twelve months ago

60% OS

60% OS

66% abhnOr

S

0%

0%

59%

64% s*

56%

60%

62% oS

62%

72% fhnoS*

63% s

59%

58%

71% ABFHijN

OrS*

63%

59%

55%


31% CflP

31% CflP

24% P

0%

0%

24% P

25% p*

37% CFGjLP

31% CflP

28% P

27% P

17% *

30% P

35% abCFGJkLP

33% ABCFgJL

P

14% *

29% lP

32% CflP

37% ABCFG

JkLP

Don’t know VOL

3% OQ

3% OQ

3% OQ

0%

0%

2% q

3% oQ*

2%

2% q

2% OQ

5% ABIlMNOQr

0% *

1%

1%

1%

3% Q*

0%

2% Oq

4% imnO

Q



Table q119 - How does the total amount of your other household debt, for example credit cards, auto loans, student loans, and any other installment loans, but not including any debt on your house, compare to what it was twelve months ago? Would you say it is: READ CHOICES


GP Mortgage

Underwater

Owner Renter

Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High

School

Some

College

College/grad

School

<$25k $25-50k

$50-100k

>$100k



14% DKS

13% DKS

12% d

8%

19% ABcDIJKMOpS

17% bDKMo

S

18% ABcDijKMOS

18% ABcDijKMOS

13% DkS

14% DKS

9%

15% Dks

12% Dk

17% ABcDiJKmoS

13% DKS

15% DKS

17% aBcDijKMOS

15% DKS

9%


61% BFHs

57%

61%

70% ABCEFGHIJMNO

PQRS

60% fh

54%

60%

56%

62% BFhs

60% bf

70% ABCEFGHIJMNO

PQRS

64% bFh

60% f

60% f

62% aBFH

S

62% bFH

58%

62% BFh

57%


20% DEKLP

26% ADEFGIJKLNOPR

22% DEKLP

15%

16% l

19% KLP

17% kL

23% DEgK

LP

21% DEKLP

20% DEKLP

12%

10%

23% aDEGKLP

20% DEKL

P

22% ADEGKLP

r

13%

22% DEKL

P

20% DeKLP

29% AbCDEFGHIJKLmN

OPQR

Don’t know VOL

5% bi

NOQR

4% NO

5% nO

7% aBHIMN

OQR

5% NOq

9% ABCEGHIJMNOQRS

5% nO

4% O

4% O

6% bNOQR

9% ABCEGHIJMNOQ

RS

11% ABCdEGHIJMNO

QRS

4% O

2%

2%

9% ABCEGHIJMNOQRS

3%

3% O

5% NO



Table q121 - What is the last grade that you completed? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African

American

Gen Y

Gen X

Boome

r

Pre-boomer

Less Than High

School

High School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Grade school

5% DMNORS

4% MNO

RS

3% MNOr

3% MNOR

7% abcDGHkMNO

RS

20% ABCDEGHIJKMNOP

QRS

3% MNO

r

3% MNOR

7% ABCDGHjKMNO

RS

5% DMNORS

4% MNORS

34% ABCDEFGHIJKMNOP

QRS

0%

0%

0%

12% ABCDEGHIJK

MNOQRS

6% DgMN

ORS

1% MNO

2% MNO

Some high school

9% BHMNORS

6% MNO

RS

10% BHMNORS

11% BHMNORS

12% ABHIMNO

RS

17% ABCDeHIJMNOQRS

17% ABCDeHIJ

MNOQRS

5% MNOS

8% BMNORS

11% ABHi

MNORS

13% ABHIMNOqR

S

66% ABCDEFGHIJKMNOP

QRS

0%

0%

0%

22% ABCDEFGHIJKMNOQ

RS

10% BHMNORS

4% MNO

S

1% MNO

High school graduate

28% BILNORS

24% LNOS

24% LNOS

33% ABCIJLNORS

30% BcILNOR

S

29% bILNOS

31% BcILNOrS

29% bILNOS

22% LNOS

28%

BILNOS

34% ABChIJLNORS

0%

100% ABCDEFGHIJKLNOPQ

RS

0%

0%

32% BCILNORS

38% ABCdEFGHIJLNOp

RS

25% LNOS

15% LNO

Some college

24% FJLMO

S

22% FLMO

S

24% FL

MOS

21% fL

MOS

27% bdFJkLMOPS

16% LMO

26% dFJLMOP

S

29% ABDFIJKLMOP

qS

23% FLMOS

21%

fLMOS

21% fLMOs

0%

0%

85% ABCDEFGHIJKLMOPQRS

0%

21% fLMO

23% FLMO

S

31% ABCDeFIJKLMOP

QS

16% LMO

College graduate

17% dEFGKLMNPq

22% ADEFGJKLMNP

Q

19%

eFGKL

MNPq

14% FL

MNP

14% fLMNP

10% LMN

11% LMNp

19% dEFGKLMNPQ

19% dEFGKLMNPq

17%

FGkLMNP

13% LMNP

0%

0%

0%


7% LMN

14% fLMN

P

19% DEFGKLMN

PQ

30% ABCDEFGHIJKLMNP

QR



gage Underwater

Owner

Renter

Hispanic

African

American

Gen Y

Gen X

Boome

r

Pre-boomer

Less Than High

School

High School

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S Graduate school

11% EFgLMNPQ

15% AcEFGHJKLMNP

QR

11%

EFLMNPQ

12% EFGLMNPQ

6% LMN

P

4% LMNP

7% LMNP

q

9% EFL

MNPQ

14% AEFGHkLMNPQ

11%

EFGLMNPQ

10% EFLMNPQ

0%

0%

0%


2% LMN

4% LMNP

12% EFGLMNP

Q

27% ABCDEFGHIJKLMNP

QR

Technical school

4% kLMOP

5% fKLM

OP

6% eFKLMOP

5% KL

MOP

3% LMO

3% LMO

3% LMO

4% LMO

5% eFkLMOP

5% efkLMOP

3% LMO

0%

0%

15% ABCDEFGHIJKLMOPQRS

0%

2% LMO

4% LMO

6% AEFghKLM

OP

5% efKLM

OP

Don’t know VOL

2% lMNOq

3% aLMNOQR

3% LMNOQr

2% lMNO

1% MNO

2% LMNO

2% LMNOq

1% MNO

2% LMN

O

2% LMNOq

2% LMNOq

0%

0%

0%

0%

2% LMNO

1% MNO

1% MNO

4% ADEHijLMNO

QR



Table q123 - Would you say the area you live in is ...? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African

American

Gen Y

Gen X

Boomer

Pre-

boomer

Less Than High

School

High Scho

ol

Some College

College/grad School

<$25k $25-

50k

$50-100k

>$100k


Suburban

42% DEFGKLP

50% ADEFGHIJKL

MNPQ

50% ADEFGhJKLMnPQ

35% lP

36% lP

31%

35% lP

43% DEFgLP

45% DEFGKLmPQ

43% DEFGkL

P

37%

fLP

28%

39% FLP

44% DEFGKLP

q

53% ABDEFGHIJKLMNPQr

27%

38% FLP

50% ADEFGHiJKL

MNPQ

54% AbDEFGHIJKLMNPQ

Rural

22% EFGOPS

22% EFGiO

PS

20% EFg

33% ABCEFGHIJKLM

NOPQRS

14%

10%

14%

19% EFg

19% EFg

24% AEFGhIlOPS

24% EF

GiOPS

18% F

27% AbcEFGHIlOPS

23% EFGioPS

19% EFG

17% F

22% EFGps

25% aEFGHIOPS

17% F

Urban or city

33% BCDJORS

24%

26%

29% bRs

46% ABCDHIJKMNOQR

S

54% ABCDEHIJKMNOQRS

48% ABCDHIJKMNOQR

S

34% BCdORS

34% BCORS

30% BRS

36% BCDJnORS

51% ABCDHIJKMNOQR

S

33% BcORS

31% BRS

27% BRs

53% ABCDEHIJKMNOQRS

37% aBCDJNORS

22%

24%

Don’t know VOL

3% dMnO

3% MO

3% MO

2% mO

4% MnO

5% DMNO

3% MO

4% MO

3% MO

3% MO

3% MO

3% O

1%

2% O

.%

4% MO

3% MO

3% MO

5% DMNO



Table q124 - Do you own a second home or investment home? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwat

er


African

American

Gen Y Gen X

Boomer

Pre-boom

er


High Scho

ol

Some

College

College/grad School

<$25k $25-

50k

$50-100k

>$100k


Yes

14% EGHi

mNP

18% AEGHIMNP

QR

19% AEGHIMNP

Qr

24% ABEFGHIJLMNo

PQR

4%

16% EGHnP

6%

7% E

12% EGHP

19% AEGHIMNP

QR

21% AEfGHIMNPQR

15% EGHP

12% EGH

P

12% EGH

P

20% AbEfGHIMNPQR

5%

12% EGHP

15% EGHnP

27% ABCEFGHIJKLMN

OPQR

No

84% BCDJKOS

79% dS

77% S

74% S

95% ABCDFGHIJKLMNO

pQRS

83%

DjkS

92% ABCDFIJKLO

qRS

92% ABCDFIJKLmnO

QRS

86% BCDJKOS

78% dS

77% S

85% bcDJKS

88% ABCDFJKORS

88% ABCDFJKORS

79% DS

93% ABCDFIJKLMNO

QRS

87%

aBCDJKOS

84% BCDJKOS

69%

Don’t know VOL

2% lMNO

3% aeLMNOQ

R

3% LMNOq

2% LMNO

1% mNO

2% LMNO

3% LMNO

q

1% mNO

2% LMNO

2% LMNOq

2% LMN

O

0%

.%

.%

.%

2% LMNO

1% No

1% MNO

4% AbDEFHijkLMNOp

QR



Table q125 - What is your current marital status - are you: READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater


African

American

Gen Y Gen X Boomer

Pre-boomer

Less Than High Scho

ol

High

School

Some

College

College/grad

School

<$25k $25-

50k

$50-100k

>$100k


Married or have an unmarried partner

61% EGHKP

78% ADEFGHJKLMNOPQ

R

75% ADEFGHKLMNO

PQ

62% EGHKP

40%

65% EGHKLNP

42% P

45% EP

78% ADEFGHJKLMNOPQ

R

70% ADEfGHKLMNP

Q

52% EGhP

55% EGH

P

63% EGHKP

58% EGHKP

68% ADEGHKLmNPQ

35%

61% EGHKP

69% ADEGHKLMNPQ

79% ADEFGHJKLMNOPQ

R

Single

23% BCDIJKOS

9%

12% k

12% bK

45% ABCDFIJKLMNOPQ

RS

24% BCDIJKS

40% ABCDFIJKLMNOQRS

49% ABCDeFGIJKLMNOPQR

S

13% BK

11% BK

7%

21% BCDIJKS

22% BCDIJKS

27% ABCDIJKlmOQ

RS

21% BCDIJKS

37% ABCDFIJKLMNOQRS

21% BCDIJKS

20% BCDIJKS

12% BK

Widowed

7% BcFHIJORS

4% fHIS

4% HIS

16% ABCEFGHIJMNOpQ

RS

5% FHIS

2% hI

5% FHIS

1%

.%

4% fHIS

30% ABCDEFGHIJLMNOPQR

S

12% ABCEFGHIJNOR

S

8% BceFHIJOR

S

6% BFHIJoRS

4% fHIS

13% ABCEFGHIJMNOqR

S

8% BCEFHIJOR

S

3% HIS

1%

Divorced

7% HrS

6% HS

6% Hs

7% HS

8% HmrS

6% Hs

9% bHiMoRS

2%

6% HS

11% ABCDeFHIMNO

RS

8% bHMRS

10% aBcf

HiMoRS

5% H

7% HrS

6% HS

10% ABcdFHIMnORS

9% aBHi

MoRS

5% H

3%

Other VOL

1%

1%

1%

1%

1% q

1% q

1% q

1%

1%

1% q

1%

2% q

1%

1%

1%

2% aDkQ

.%

1%

2% q



age Underwater


African

American

Gen Y Gen X Boomer

Pre-boomer

Less Than High Scho

ol

High

School

Some

College

College/grad

School

<$25k $25-

50k

$50-100k

>$100k


2% MNO

3% lMNOr

3% lMNO

2% lMNO

2% NO

2% MNO

3% lMNO

1% NO

2% MNO

3% lMNO

qr

2% MNO

.%

1%

.%

.%

2% lMNO

1% NO

1% NO

4% AEHL

MNOQR



Table g126[{q126}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Children under age 18

G


GP

Mortgage

Underwater

Owner Renter


Gen Y Gen X Boomer Pre-boomer


High

School

Some

College

College/gr

ad Scho

ol

<$25k $25-

50k

$50-100k

>$100k


0 60% BFHIS

50% I

57% BFI

78% ABCEFGHIJLMNOP

QRS

60% BFHIS

45% I

58%

BFhIs

51% I

26%

69% ABCEFGHILMNO

QRS

91% ABCDEFGHIJLMNO

PQRS

57% bFI

63% BFHIQS

60% BFHIS

58% BFHI

S

65% ABCeFgHIlnO

QrS

55%

bFI

59% BFHIS

51% I

1 15% DKmP

18% ADEhKMOP

18% DKM

P

8% K

14% DKP

16% DKmP

17% DKMP

14% DKp

18% ADeKMP

18% ADEKM

P

4%

15% DKP

11% DK

17% DKMP

16% ADKMP

10% K

17% DKMP

17% DKMP

16% DKM

P

2 16% DJK

20% ADEGJKMNO

PqR

17% DJK

8% K

15%

DJK

21% ADEgJKlMnoPqr

15%

DJK

22% ADEGJKlMNO

PQR

32% ABCDEFGHJKLMNO

PQRS

8% K

1%

15% DJK

15% DJK

16% DJK

17% DJK

14% DJK

16%

DJK

16% DJK

20% ADEgJK

mOP

3 6% DJK

7% ADJKN

OR

5% DJK

2% K

6% DJK

10% AbCDEghJKmNO

PqR

6% DJK

7% DJK

16% ABCDEFGHJKLMNO

PQRS

2% K

.%

7% DJK

7% DJK

5% DJK

6% DJK

6% DJK

7% DJK

5% DJK

7% DJKNor

4 2% DJK

2% JK

1%

1% K

3% acDJKnRs

4% ABCDJKMNORS

2% dJK

4% ABCDJKmNO

RS

4% ABCDJKM

NORS

1%

0%

4% cDJKRs

2% dJK

2% JK

2% DJK

3% DJK

3% cDJKr

1% K

1% K

5 .% J

.%

0%

.%

1% Jn

1% aBdJkN

ops

0%

1% jn

.% jn

0%

0%

0%

1% abdJknp

0%

.% J

.%

1% aBdJkNos

.%

0%


GP


GP

Mortgage

Underwater

Owner Renter




High

School

Some

College

College/gr

ad Scho

ol

<$25k $25-

50k

$50-100k

>$100k


Don’t Know VOL

2% NO

3% NO

2%

3% aehlMN

OpQ

1%

2% n

2%

2%

3% No

2% N

3% eMNOq

1%

1%

1%

2%

2%

2%

2% n

4% aEhlMNOq

Mean

0.74

0.90

0.72

0.34

0.79

1.14

0.75

0.98

1.53

0.44

0.08

0.84

0.74

0.70

0.76

0.69

0.86

0.70

0.87

Standard Deviation

1.09

1.09

0.98

0.79

1.17

1.29

1.07

1.21

1.20

0.79

0.35

1.17

1.14

1.01

1.07

1.10

1.18

1.01

1.07



Table g126[{q127}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Children age 18-22

G


GP

Mortgag

e

Underwate

r

Owner

Renter

Hispanic

African

America

n


Less Than High

School

High School

Some

College

College/gra

d Schoo

l

<$25k

$25-50k

$50-100k

>$100k


0 83% FIJL

82% fiJ

83% J

84% FIJL

84% FIJL

77%

82% J

89% ABCdEFGIJLmOQR

S

79%

76%

92% ABCDEFGIJLMNOPQR

S

76%

84% FIJL

87% ABFgIJLQr

s

85% ABFIJ

Lq

85% FIJL

81% J

83% FIJl

82% fJ

1 11% HKnp

12% HKNOP

13% HKnp

10% HK

10% HK

14% adeHKNo

P

12% HKP

6%

12% HKnp

18% ABCDEfGHIKMNOP

RS

4%

18% ABDEgHIKMNOPR

S

11% HK

9% hK

10% HK

8% K

15% ADEHKmNOPr

s

11% HK

10% HK

2 3% dK

3% dK

3%

2%

3% k

4% DKq

2%

2%

4% aDKq

3% DK

1%

4% K

3% K

3% K

3% DK

4% DK

2%

3% K

3% K

3 1% JkOs

.%

0%

.%

1% jko

2% bcdJKOq

S

1% cdJKOqS

1%

2% ABCDhJKNOpQr

S

.%

0%

1% k

1% jK

1% k

.%

1% k

.%

1% JKO

.%

Don’t Know VOL

3% NO

3% NO

2%

3% lmNO

2%

3% ln

2%

2%

4% lNO

2% n

3% lN

1%

2%

1%

2%

2%

2%

3%

4% jlmNO

Mean

0.19

0.21

0.18

0.15

0.18

0.28

0.21

0.13

0.27

0.26

0.06

0.29

0.19

0.16

0.17

0.19

0.20

0.19

0.17

Standard Deviation

0.50

0.51

0.45

0.43

0.51

0.62

0.54

0.45

0.64

0.53

0.27

0.59

0.51

0.47

0.47

0.53

0.47

0.51

0.46


Table g126[{q128}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Children age 23 or older

G


GP

Mortgag

e

Underwater

Owner

Renter

Hispanic African

America

n


Less

Than High

School

High School

Some College

College/grad School

<$25k

$25-50k

$50-100k

>$100k


0 84% BCFJ

82% cfJ

78%

83% FJ

87% aBCFJKLP

q

78%

83% J

91% ABCDEFGJKLMNOPQR

S

91% ABCDEFGJKLMNOPQR

S

75%

82% J

80%

85%

CFJ

86% BCFJk

87% ABCDFgJKLP

q

82% J

83% fJ

85% bCFJ

86%

BCFJ

1 10% EHI

11% AEHIOS

17% ABDEGHIMNOPQR

S

11%

EHI

7% Hi

12% EHIos

11% EHI

3%

4%

17% ABDEFGHIKMNOPQR

S

12% aEHImO

S

14% aEHIo

S

9% HI

10%

eHI

9% HI

10% EHI

11% EHI

10% eHI

8% HI

2 3% IO

3% IOs

2% I

2% I

3% I

6% ABCDEgHIKNOq

RS

3% I

2% i

1%

5% ABDhINOR

S

3% I

5% Ios

4% IOs

3% I

2% I

5% ADeHINOr

S

3% Io

3% I

2% i

3 1%

1% r

.%

.%

1%

1%

2% aDIlOR

1%

.%

1%

1%

.%

1% dr

1%

.%

1%

1%

.%

1%

Don’t Know VOL

3% NO

3% no

2%

3% lMNo

2%

3% l

2%

2%

4% lMNO

3%

2%

1%

2%

1%

2%

2%

2%

2%

4% ablMNO

Mean

0.18

0.20

0.23

0.17

0.16

0.28

0.21

0.10

0.07

0.30

0.20

0.24

0.20

0.17

0.14

0.23

0.20

0.16

0.14


GP


GP

Mortgag

e

Underwater

Owner

Renter

Hispanic African

America

n


Less

Than High

School

High School

Some College

College/grad School

<$25k

$25-50k

$50-100k

>$100k


Standard Deviation

0.49

0.52

0.49

0.45

0.49

0.62

0.57

0.43

0.30

0.59

0.50

0.53

0.55

0.49

0.43

0.57

0.51

0.45

0.45



Table g126[{q129}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Parents of you or your spouse or partner


GP Mortgage

Underwater

Owner

Rente

r

Hispanic

African American

Gen Y Gen X

Boomer

Pre-boomer Less

Than High

School

High

School

Some Colle

ge

College/grad School

<$25k

$25-

50k

$50-100k

>$100k


0 85% fH

87% AcFgHN

83%

86% fH

84% H

81%

83%

78%

87% FH

88% AceFGHN

p

92% ABCDEFGHIJl

MNOPQRS

87% fH

88% FgH

84% H

87% aFH

85% H

86% H

87% FH

86% H

1 7% KO

6% K

12% ABdEIJKMORS

7% K

7% K

10% ABeIJKMORs

9% bKMOr

9% aBKMOr

6% K

7% K

3%

8% K

5% k

9% ABiJKMOR

6% K

8% Km

8% K

6% K

6% K

2 5% BDiJK

3% JK

3% k

3% K

5% diJKl

4% jK

4% jK

10% ABCDEFGIJKLMNOPQRS

3% K

2% k

1%

2%

5% JK

6% BcDIJKlQ

5% BcDIJK

lq

4% JK

3% K

4% JK

4% JK

3 .% BO

0%

0%

.% bo

.% bo

.%

1% ABcdfHIJkmNOpQS

.%

.%

.% BO

.%

1% B

.% b

.%

.%

.%

.%

.% BO

.%

4 .%

.%

0%

0%

0%

0%

0%

.%

0%

.%

0%

0%

0%

0%

.% a

0%

.%

.%

0%

5 .% b

0%

0%

0%

.%

0%

0%

.% b

0%

0%

0%

0%

0%

0%

.% ABDiJk

nRS

0%

1% aBdJmn

0%

0%

Don’t Know VOL

3% NO

3% NO

2%

4% NO

3%

4% No

2%

2%

4% NO

3% N

4% mNO

2%

2%

1%

2%

3%

3%

3% n

4% hNO

Mean

0.18

0.13

0.17

0.14

0.21

0.20

0.22

0.33

0.13

0.13

0.05

0.14

0.16

0.21

0.19

0.18

0.18

0.16

0.15



gage Underwater

Owner

Rente

r

Hispanic

African American

Gen Y Gen X

Boomer

Pre-boomer Less

Than High

School

High

School

Some Colle

ge

College/grad School

<$25k

$25-

50k

$50-100k

>$100k


Standard Deviation

0.53

0.44

0.44

0.45

0.62

0.51

0.58

0.73

0.43

0.43

0.28

0.46

0.50

0.53

0.61

0.50

0.59

0.51

0.46



Table g126[{q130}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Other relatives like siblings or cousins

G


GP

Mortgage

Underwater

Owner

Renter Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High Scho

ol

Some College

College/gra

d Schoo

l

<$25k

$25-50k

$50-100k

>$100k


0 88% EFgH

91% AEFGHijlPQ

R

88% f

89% EFGH

84%

82%

84%

84%

88% EFg

89%

EFGH

92% AcdEFGHLMPQ

R

86%

88% EF

90% EFGHp

90% AEFGHpq

86% f

86% f

88% EFh

91% AEFGHijlP

Q

1 6% BS

5%

9% BdIjKmnrS

5%

8% bikmS

9% ABDIJKMNoRS

9% aBDIjKMnr

S

8% aBdikmnrS

5%

6% S

5%

11% ABDIJKMNOpR

S

5%

6%

6% bS

7% S

9% aBDIjKMNoS

6%

4%

2 2% BKOS

1% k

1%

2% K

4% ABcdKO

QS

4% ABCDijKlnOQ

S

3% BcdKOqS

3% BKOq

S

2% bKS

2% BKOS

.%

2% k

3% BcdKoqS

2% BKS

1% Ks

4% ABcDKOqS

1% k

3% ABCDKOqS

1%

3 1% BjkO

.%

0%

.%

2% ABcDiJKnOpQRs

1% Bkq

1% b

1% aBcdJKOQR

s

.% b

.%

0%

.%

1% BcDJKoQ

R

.% b

.% B

1% bk

.%

.%

.%

4 .% B

.%

0%

.%

1% B

.%

1% b

1%

1% B

.%

.%

0%

.%

.%

1% B

.%

1% B

.%

.%

5 .%

0%

0%

.%

0%

0%

.%

0%

.%

0%

0%

0%

0%

.%

0%

0%

0%

0%

0%

6 .%

0%

0%

0%

0%

0%

0%

0%

0%

.%

0%

0%

0%

0%

.%

.%

0%

0%

0%

Don’t Know VOL

3% NO

3% NO

3%

3% lNO

2%

3% ln

2%

2%

4% lNO

3% n

3% n

1%

2%

1%

2%

2%

3%

2%

4% lNO


GP


GP

Mortgage

Underwater

Owner

Renter Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boomer

Less Than High

School

High Scho

ol

Some College

College/gra

d Schoo

l

<$25k

$25-50k

$50-100k

>$100k


Mean

0.15

0.08

0.11

0.11

0.24

0.22

0.21

0.22

0.13

0.13

0.06

0.16

0.17

0.14

0.12

0.18

0.15

0.14

0.07

Standard Deviation

0.51

0.34

0.34

0.44

0.69

0.58

0.62

0.62

0.52

0.47

0.30

0.45

0.58

0.51

0.48

0.55

0.51

0.49

0.34



Table g126[{q131}].mA - We’d now like to get a sense of the people in your household. Please tell me how many of each of the following live in your house, other than yourself and your spouse or partner: Other non-relatives

G


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boomer

Less

Than

High

School

High Scho

ol

Some Colleg

e

College/grad School

<$25k $25-

50k

$50-100k

>$100k


0 89% EH

90% aCEH

ns

86%

92% ACEHNoPqS

86%

91% EH

90% eH

84%

92% aCEHNp

s

92% ACEHNOPq

S

91% cEH

n

91% eH

92% ACEHnPqs

88% H

89% EH

88% H

88% H

90% eH

88% h

1 6% DIJ

6% ij

10% ABDFIJKMOprs

4%

8% aDFIJKMp

4%

6%

10% ABDFgIJKMnOPRS

4%

4%

5%

7%

5%

7% DfIJk

6% DIJ

6%

8% DFIJkm

6% DIJ

6% d

2 1% bdq

1%

1%

.%

2% ABDIJoQr

2% Q

1% Q

2% aBDijoQr

.%

1%

1%

.%

1%

2% aBDIJQ

r

1% q

3% ABDIJKLMOQRs

.%

1%

1%

3 1% i

.%

.%

1%

1%

.%

1%

1%

0%

1%

.%

1%

.%

1% i

1% I

.%

.%

1% I

1% i

4 .% BJ

.%

0%

.%

1% BJMr

.%

0%

1% Bjmr

.% B

.%

.%

0%

0%

1% ABDgJkMoRs

.% B

1% BJM

1% BJm

.%

.%

5 .%

0%

0%

0%

.%

0%

0%

.%

0%

0%

0%

0%

0%

0%

.% ABJ

.%

0%

0%

0%

Don’t Know VOL

3% NO

3% No

3%

3% lNo

2%

3% l

2%

3%

4% lNO

3%

3% n

1%

2%

2%

2%

2%

3%

2%

4% abjLmNO

r


GP


GP

Mortgage

Underwater

Owner

Renter

Hispanic

African

American

Gen Y Gen X

Boomer

Pre-boomer

Less

Than

High

School

High Scho

ol

Some Colleg

e

College/grad School

<$25k $25-

50k

$50-100k

>$100k


Mean

0.12

0.08

0.13

0.07

0.19

0.10

0.11

0.21

0.07

0.08

0.08

0.10

0.08

0.17

0.12

0.16

0.12

0.11

0.10

Standard Deviation

0.47

0.34

0.38

0.35

0.61

0.42

0.40

0.63

0.35

0.37

0.35

0.38

0.35

0.58

0.49

0.58

0.48

0.41

0.40



Table q132 - Which of the following best describes your current employment status? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic

African American

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High Scho

ol

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Employed full-time

51% DGKLP

62% ADEFGJKLMNP

Q

59% ADEGKLMNPQ

32% K

49% DGKL

P

53% DGKL

P

42% DKlP

61% ADEFGJKLMNP

Q

70% ABCDEFGHJKLMNPQ

R

54%

ADeGKLMP

7%

33% K

48% DgKL

P

50% DGKLP

67% ABCDEFGHJKLMNPQ

R

30% K

50% DGKLP

60% ADEFGJKLMNP

Q

70% ABCDEFGHJKLMNPQ

R

Employed part-time

12% BDJKOS

9%

9%

8%

17% ABCDFIJKLMOQ

RS

11% dK

14% BDjKOS

17% ABCDFIJKLMOQ

RS

10% k

10% dk

7%

10%

12% bDK

15% ABCDfIJKlOQRS

9% K

15% ABCDfIJKlORS

11% dK

10% K

9%

Not currently employed in a paying job

13% DK

ORS

11% DKORS

11% dKos

7% K

18% ABCDJKMnOQRS

21% ABCDIJKMNOQ

RS

17% ABcDjKmORS

18% ABCDJKMnOQRS

14% DKORS

13% DKORS

1%

23% ABCDeIJKMNOQR

S

12% DKO

rS

14% DKORS

8% K

22% ABCDEghIJK

MNOQRS

13% DKO

rS

9% K

7% K

Retired

21% BcEFHIjnOR

S

15% HIS

17% HIS

50% ABCEFGHIJLMNOP

QRS

13% HI

12% HI

24% BCEFHIjnOR

S

1%

2%

19%

BEFHIO

S

82% ABCDEFGHIJLMNOPQR

S

33% ABCEFgHIJNOQR

S

26% ABCEFHIJNORS

18% BEFHIS

15% HIS

30% ABCEFgHIJNOqRS

23% BCEFHIjNORS

17% EfHIS

10% HI



gage Underwater

Owner Renter

Hispanic

African American

Gen Y Gen X Boomer

Pre-boomer

Less Than High

School

High Scho

ol

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k


3% MnO

3% mO

4% mO

3% MO

4% MO

3% O

4% mO

3% O

4% MO

4% MnO

3% O

1%

2%

2% O

1%

3% O

3% O

3% mO

5% blMNO



Table q133 - How would you describe the work you do? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African A

merican

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


White collar professional, like a doctor, lawyer, nurse, IT/computer, marketing, realtor, clergy, or business person

29%

EFHLMNPQ

37% AEFGHILMNPQ

R

37% AEFGHLMNPQ

r

35% aEFgHLMNPQ

18% P

15%

26% EFlMnPQ

22% fMPq

31% EFHLMNP

Q

36% AEFGHLMNPQ

R

40% aEFgHLMNPQ

*

15% *

14%

20% mP

54% ABCDEFGHIJKLMNPQ

R

12%

16%

31% EFHLMNP

Q

53% ABCDEFGHIJkLMNPQ

R



gage Underwater

Owner

Renter

Hispanic

African A

merican

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S White collar office or support person, like a secretary, assistant, receptionist

12% LO

13% LO

11% L

10% L

12% L

9% L

12% L

12% L

11% L

12% Lo

16% L*

2% *

9% l

20% ABCDEFGHIJLMOPQ

RS

10% L

12% L

12% L

13% LO

11% L

White collar government, law enforcement, or education

10%

denq

13% ADEHJklMNPQ

13% Del

MNpQ

6%

7%

9%

11% dp

8%

14% ADEHjkLMNP

Q

9% d

5% *

4% *

7%

7%

16% ABDEFHJKLMNPQrS

6%

7%

13% ADEHJkLMNP

Q

11% Demnq

Fine arts, like artist, singer, dancer, actor

1% BiJ

1%

0%

1%

3% aBcIJ

M

2%

.%

3% aBCiJM

1%

1%

0% *

0% *

.%

2% BCIJm

2% aBCIJ

1%

1%

2% BCIJm

1%



gage Underwater

Owner

Renter

Hispanic

African A

merican

Gen Y

Gen X

Boomer

Pre-boomer

Less Than High

School

High School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S Blue collar/trade worker, like carpenter, electrician, trucker, farming, fishing, manufacturing worker, retail, security guard, foodservice/waiter

37%

BJKORS

29% OS

31% OS

38% BKO

S

48% ABCDGIJKnORS

53% ABCDGHIJKNORS

38% BkOS

43% ABCiJKORS

36% BkO

S

33% BOS

24% O*

63% ABCDEGHIJK

NOpRS*

58% ABCDEGHIJKNOp

RS

41% aBCJKO

RS

10%

50% ABCDGIJKnORS

54% ABCDeGHIJKNOR

S

31% OS

19% O

Military

1% BJ

.%

0%

.%

2% biJs

.%

1%

2% ABcfiJOS

.%

.%

0% *

0% *

1% j

1% BJ

1% bJ

2% J

1% j

2% BciJ

.%

Other 9% bOS

7% S

7% S

8% S

10% ioS

10% S

10% S

9% S

7% S

8% S

14% bioS

*

13% S*

9% S

8% S

7% S

16% ABCDEfHIJMNOQR

S

8% S

8% S

3%

Don’t know VOL

1% r

1%

1%

1% R

1%

2% ABiJNORs

1%

1% r

1%

1%

1% *

3% bnR*

1%

.%

1%

2% nR

1% r

.%

1%


Table q134 - How many people, other than yourself, are employed full time in your household? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner Renter

Hispanic

African

American

Gen Y

Gen X Boome

r

Pre-boomer

Less

Than High

School

High

School

Some College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k


0 41%

BCFHIjORS

28% S

27% s

60% ABCEF

GHIJLMNOQRS

48% ABCFHIJNOR

S

35% BCIS

52% ABCFHIJlmNORS

31% S

28% S

38% BCHIO

S

77% ABCDEFGHIJLMNOPQRS

44% BCFHIOrS

46% ABCFHIJORS

41%

BCfHIORS

34% BCIS

58% ABCEFHIJLMNOQR

S

47% ABCFHIJnOR

S

36% BChI

S

21%

1 43% DEGKPQ

54% ADEFGHJKLMNOPQR

55% ADEFGhJKLMNPQ

r

29% K

37% DKP

42% DGKP

32% Kp

48% ADEfGKLMPQ

58% AbDEFGHJKLMNOPQR

45% DEGKlmPQ

15%

38% DKP

40% DGK

P

44% DEGKPQ

50% ADEFGJKLMNP

Q

27% K

38% DKP

48% ADEfGKLMPQ

61% ABcDEFGHJKLMNOPQR

2 10% DK

13% ADEIKMnOp

14% aDEIK

Mp

6% K

8% K

15% ADEIjKMNOPQR

11% DK

14% ADEIKMnPq

8% K

11% DeKM

3%

14%

DEiKmp

8% K

10% DK

11% DeiK

m

9% dK

10% DK

11% DK

12% DeiKm

3 2% DK

2% DK

2%

1%

3% DK

4% aDIjK

os

2% dk

4% AbDijKOS

2%

2% DK

1%

3% k

3% DK

3% DK

2% DK

2% DK

3% DK

3% DK

2%

Don’t Know VOL

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

Don’t Know VOL

3% NO

3% no

2%

4% NO

4% N

3% n

3%

3%

3% n

3% n

4% blNOr

2%

3%

2%

2%

4% No

3%

3%

4% NO



ge Underwater

Owner Renter

Hispanic

African

American

Gen Y

Gen X Boome

r

Pre-boomer

Less

Than High

School

High

School

Some College

College/gr

ad Scho

ol

<$25k $25-50k

$50-100k

>$100k


Mean

0.73

0.90

0.90

0.46

0.65

0.88

0.62

0.91

0.83

0.77

0.24

0.74

0.66

0.74

0.81

0.55

0.68

0.80

0.95

Standard Deviation

0.75

0.71

0.70

0.66

0.77

0.83

0.77

0.79

0.65

0.74

0.53

0.80

0.75

0.75

0.72

0.77

0.77

0.74

0.64



Table q138 - Does anyone in your household have more than one job? GP OWNER STATUS RACE GENERATION EDUCATION INCOME


Owner Renter

Hispanic

African

American

Gen Y

Gen X

Boomer

Pre-boomer Less

Than

High

School

High

School

Some

College

College/grad School

<$25k

$25-50k

$50-100k

>$100k


Yes 10% DEKp

14% ADEFJKlMnOPqRs

13% DEKP

6% K

7% K

10% DK

12% DEKp

13%

ADEKP

12% DEKP

10% DeK

3%

9% K

10% DK

12% DEK

P

11% DEK

8% K

11% DEK

11% DEK

12% DEKp

No 87% Bis

82%

83%

90% ABCfGHIJqrS

90% ABCfGHIjS

86% b

84%

84%

84%

87% Bs

93% ABCDeFGHIJl

MNOPQRS

89% B

89%

BcghIS

87% Bis

88% ABCgHI

S

89% BCgHIS

87% B

87% B

84%

Don’t know VOL

3% m

NO

3% NO

4% NO

4% MNOr

3% NO

4% NO

4% mNO

3% NO

4% m

NO

3% mNO

3% mNO

2%

2%

1%

1%

3% mNO

2% n

2% NO

5% ABhjlMNOqR



Table q140 - Did you immigrate to the United States from another country? GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgag

e

Underwater

Owner

Renter

Hispanic African

American

Gen Y

Gen X Boomer

Pre-boom

er

Less Than High

School

High Scho

ol

Some College

College/grad

School

<$25k $25-50k

$50-100k

>$100k


Yes

14%

DGKMNR

16% aDGKMNR

15% DGKMNR

10%

15%

DGKMNR

49% ABCDEGHIJKLMNO

PQRS

7%

13% Gk

Nr

19% ABDeGHKMN

ORS

16% aDGKMNR

9%

36% ABCDEG

HIJKMNOPQRS

10%

8%

16% ADGhKMNR

21% ABcDEGHJKMN

ORS

17% DGhKMNR

9%

14% dGKm

NR

No

83%

bFIjLP

81% FILP

81% FLp

87% ABceFIJLOPQS

82% FiLP

48%

90% ABCEFhIJLOPQS

85% bFIjLP

77% FL

81% FLP

88% ABCEFIJLOPQS

63% F

89% ABCEFIJLOPQS

91% ABCDEFHIJkLOPQS

83% BFIJL

P

75% FL

81% FLp

89% ABCEFhIJLOPQS

81% FLp

Don’t know VOL

3% mNO

3% mNO

3% NO

3% MNO

3% NO

3% mNO

3% NO

3% nO

3% mNO

3% MNO

3% mNO

1%

2%

1%

1%

3% mNO

3% nO

2% nO

5% ABehjLMNOqR



Table q141 - When did you arrive in this country? READ CHOICES GP OWNER STATUS RACE GENERATION EDUCATION INCOME

GP Mortgage

Underwater

Owner

Renter

Hispanic

African

American

Gen Y Gen X

Boomer Pre-boomer

Less Tha

n High School

High School

Some

College

College/grad

School

<$25k $25-

50k

$50-100k

>$100k


This year

.%

.%

0% *

0% *

0% *

0%

0% **

0% *

.% *

0%

0% *

0% *

0% *

0% *

.%

0% *

0% *

0% *

1% *

Last year

.%

0%

0% *

1% *

1% *

.%

0% **

1% *

.% *

.%

0% *

0% *

0% *

0% *

1% AB

0% *

1% *

1% *

1% *

Two to five years ago

1%

1%

3% *

0% *

2% *

1%

2% **

2% *

1% *

1%

0% *

0% *

3% *

0% *

2%

1% *

1% *

0% *

2% *

Six to ten years ago

9% DJK

9% DJK

11% DJK*

1% *

13% DJKq*

8% Djk

14% **

20% ABDFJKL

QRs*

10% Dk*

4%

0% *

7% *

10% DjK*

10% DjK*

12% DJKqr

14% aDFJK

Lq*

5% *

5% *

9% Djk*

Eleven or more years ago

87% HO

88% hO

85% *

94% aHOP*

84% *

90% eHOP

73% **

77% *

86% *

93% AbcEHmOP

95% eHOP

*

92% HoP

*

86% *

89% *

82%

83% *

93% eHO*

90% ho*

88% o*

Don’t know VOL

2% f

2%

1% *

5% aeFjs*

.% *

1%

11% **

1% *

2% *

1%

5% eFs*

2% *

2% *

1% *

2% s

2% *

1% *

5% eF*

0% *



Table q143b - And again, for statistical purposes only, please tell me which of the following categories best represents how much in assets you currently have, either invested or available for investing, in terms of checking or savings accounts, investment accounts, and brokerage accounts, but not including the value of any real estate or employer-sponsored retirement plan such as a 401k? READ CHOICES


GP Mortgage

Underwater


African

American

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High Scho

ol

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Less than $10,000

42%

BDJKORS

33% DkOS

40% BDKO

S

26% S

63% ABCDFGHIJK

MNOQRS

57% ABCDIJKMNORS

56% ABCDIJKMnO

RS

56% ABCDIJKMNORS

41% BDKO

RS

37% bDKOS

28% OS

63% ABCDIJKMNOQ

RS

47%

aBcDJKORS

49% ABCDIJKORS

24% S

72% ABCDEFGHIJKLMNOQ

RS

52% ABCDIJKmORS

34% DkOS

17%

$10,000 - $49,999

19% DEKP

25% ADEFGHJKLMNo

Pq

29% ADEFGHJKLMNoP

Qs

14%

14%

19% dEkP

19% dEkP

18% EP

26% ADEFGHJKLMNPq

18% DEkP

14%

14%

18%

dekP

19%

DEKP

23% ADEHJKLMnP

12%

21% DEKl

P

25% ADEFgHJKLM

NP

23% ADEhJKLmP

$50,000 - $99,999

8% EFGlPq

10% AEFGLnPQ

7% gP

10% EFGLn

PQ

6% P

5% P

4%

8% GP

10% EFGLnPQ

8% EfGlP

8% GP

4% p

9% EfG

P

8% GP

12% ABCEFGHJKLmNPQ

2%

6% P

13% ABCdEFGHJKLMNP

Q

14% ABCDEFGHIJKLMNoP

Q

$100,000 - $149,999

4% EfhlmP

5% AEFHILMP

4% lP

6% AEFHILMnPq

2% p

2% p

4% ElP

2% P

3% P

6% AEFHiLMn

Pq

5% EFHLM

P

1%

3% P

4% eP

8% ABCdEFGHIJkLMNP

QR

1%

3% P

5% EfHLm

P

9% ABCDEFGHIJKLMNP

QR



gage Underwater


African

American

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High Scho

ol

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S $150,000 - $249,999

3% cEFGP

4% CEFGhlP

2%

6% ABCEFGHIjL

MNPQ

1%

1%

1%

2%

3% EP

4% aCEFGhLP

q

5% CEFGHL

PQ

1%

3% EfP

3% EfgP

5% ABCEFGHILm

nPQ

1%

2%

5% CEFGH

LPq

7% ABCEFGHIJLMNPQ

$250,000 - $499,999

2% EGHP

3% EgHP

2% eHP

5% ABcEFGHIjL

MNPQR

1%

1%

1%

.%

2% h

4% ABEFGHILmNP

Q

4% AbEFGHILMN

PQ

1%

2% EHP

2% eHp

5% ABcEFGHILMNPQR

1%

1%

3% EGHP

6% ABCEFGHIJLMNoP

QR

$500,000 - $999,999

2% gilMPq

2%

1%

5% ABCEFGHIJLMNPQ

1%

1%

1%

1%

1%

3% bcefGiLM

PQ

4% ABCEFGHILM

PQ

.%

1%

2% mPq

5% ABCEFGHIJLMNPQ

1%

1%

3% aBCEFGHILMPQ

5% ABCEFGHIJLMNPQ

$1 - $2 million

1% hMP

1% mp

1%

2% aHiMP

Q

1%

1% p

1% hMP

q

.%

.%

1% MP

3% ABcEfHIJlMNP

QR

1%

.%

1% hmpq

2% ABEHIJMPQ

.%

.%

1% hMp

3% ABcEfHIJMNP

Q

$2 – $5 million

.% e

.%

.%

2% ABcEFGHIJMNPQ

0%

.%

0%

.%

0%

1% BEMpq

1% bEiMP

Q

1% ep

0%

.%

1% ABEgIMPQ

0%

0%

1% BEIMp

q

1% ABEgIMPQ



gage Underwater


African

American

Gen Y

Gen X

Boomer

Pre-boome

r

Less Than High Scho

ol

High

School

Some College

College/grad School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S More than $5 million

.%

.%

0%

1% AbJMp

q

.%

.%

0%

.%

.%

.%

.%

0%

0%

.%

.% ABJqr

0%

0%

.%

1% ABJmp

q

Don’t know VOL

16% EFHINPQRs

17% EFHINPqRs

15% r

23% ABCEFGHIJLMNOP

QRS

12%

12%

14%

11%

13%

18% aEFgHINoPQR

S

27% ABCdEFGHIJLMNOPQR

S

13%

18% EFHINPQR

12%

16% EfHiNP

R

12%

13%

10%

14%



Table q144b - Finally, for statistical purposes only, please tell me which of the following categories represents how much total debt your household currently have, including first mortgage, second mortgage, home equity line of credit, credit card, auto and student loan, and any other debt? READ CHOICES


GP Mortgage

Underwater

Owner Renter

Hispanic

African

American

Gen Y

Gen X Boomer

Pre-boom

er

Less Than High

School

High

School

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k


Less than $10,000

39%

BCIJORS

10%

11%

67% ABCEFGHIJKlMNOQ

RS

59% ABCF

GHIJMNOQR

S

47% ABCIJNORS

51% ABCHIJNOQR

S

43% aBCIJnORS

23% BC

35%

BCIORS

56% ABCFHIJMNOQ

RS

59% ABCFHIJMNOQ

RS

47% ABCIJNORS

38% BCIORS

26% BCS

65% ABCEFGHIJK

MNOQRS

43% BCIJnOR

S

28% BCiS

20% BC

$10,000 - $49,999

16% OS

15% S

16% S

15% S

18% koS

19%

koS

19% bdkmOS

15% S

16% S

18% ABDkmO

S

14% S

16% S

15% S

19% ABDHiK

mOS

14% S

18% kS

22% ABcDHIKMOS

18% bkOS

8%

$50,000 - $99,999

10%

DKP

15% ADEFGHiJKMNOPQS

15% ADEFGhJKmNOPqS

2%

8% DP

8% D

7% D

10% DP

13% aDEFG

KPS

10% DP

7% D

11% DP

10% DkP

10% DkP

10% DgKPS

6% D

11% DkP

17% ADEFGHIJKlMNOPQS

8% D



ge Underwater

Owner Renter

Hispanic

African

American

Gen Y

Gen X Boomer

Pre-boom

er

Less Than High

School

High

School

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S $100,000 - $149,999

7% DEGKLmP

13% ADEFGHIJKLMNOPQR

S

14% ADEFGHiJKLMNOPQr

S

2%

1%

5% DEklP

3% E

7% DEGKLP

10% ADEFGhjKLMPq

7% DEfGKLMP

2%

2%

5% DEKP

9% ADEFGhKLM

P

9% ADEFGhJKL

MP

2%

7% DEGKLP

10% ADEFGHJKLM

Pq

9% ADEFGK

LMP

$150,000 - $249,999

9% DEfGKLmPQ

17% ADEFGHJKLMNOPQR

19% ADEFGHJKLMNoPQr

1%

4% DP

6% DklP

4% Dp

9% DEfGKLPQ

15% ADEFGHJKLMNPQ

9% DE

GKLPQ

3% D

3% d

7% DEgKlP

10% DEFGKLPQ

14% ADEFGHJKLMNPQ

2%

5% DP

14% ADEFGHJKLMNPQ

19% ADEFGHiJKLMNOPQR

$250,000 - $499,999

6% DEgKMPQ

12% ADEFGHJKLMNPQR

12% ADEFGHJKLMNPQR

2%

1%

5% DEkPQ

3% E

5% DEPQ

11% ADEFGHJKLMNPQ

R

7% DEGKMnPQ

2%

4% dEP

3% E

5% DEKPQ

12% ADEFGHJKLMNPQ

R

2%

2%

6% DEgKM

PQ

18% ABCDEFGHIJKL

MNOPQR

$500,000 - $999,999

1% DEPQr

3% ADEFHKLMNP

QR

3% aDEfHKLMnPQ

R

.%

.%

1% q

1% eQ

1%

2% aDEfHkLMnPQR

2% aDEhlMPQR

1% q

0%

1% q

1% eQ

3% ADEFGHJKLMNPQ

R

.%

0%

1%

6% ABcDEFGHIJKL

MNOPQR

$1 - $2 million

.%

1% AdenqR

.%

0%

0%

1% dEq

R

0%

.%

.% er

.% der

.%

0%

.%

.%

.% DeR

.%

0%

0%

1% AbDEgHiJKNOP

QR



ge Underwater

Owner Renter

Hispanic

African

American

Gen Y

Gen X Boomer

Pre-boom

er

Less Than High

School

High

School

Some

College

College/grad School

<$25k $25-50k

$50-100k

>$100k

A B C D E F G H I J K L M N O P Q R S $2 – $5 million

.%

.%

.%

0%

0%

0%

0%

0%

0%

.% A

0%

0%

0%

.%

.%

.%

0%

.%

.%

More than $5 million

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

Don’t know VOL

11%

eLNoPR

13% AcEfhILNOPR

10% lr

12% LNPR

9% l

9% l

11% LPR

10%

lpR

10% lR

12%

eLNoPR

15% AcdEFHILNOPRs

5%

13%

EfLNPR

8%

10% LPR

7%

11% LNP

R

6%

11% LpR


NHS Data Summary - Fannie Maefanniemae.com/resources/file/research/housingsurvey/pdf/... · 2016....

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